Few things to consider
The team is split in the main between 2 groups, players who are causing us to play badly, and players whose own performances are suffering because of the other group.
The first group contains the likes of Mignolet, Allen, Lovren, Lambert, Balotelli, Gerrard, Skrtel, Henderson.
The second imo comprises of Sterling, Coutinho, Moreno, Manquillo.
Maybe I'm just imposing my own bias there, but that's how I see it. Sterling has put in poor performances for sure, but we're making it fucking difficult for him to show his ability. Striker doesn't hold the ball up for long enough for him to run in behind. Striker doesn't make runs to drag defenders away from him, meaning he is constantly double or triple-marked. Midfield don't offer him short passes or one-twos. Attacking with so little pace, he has to slow his own runs down to stay near the play. Playing him on the left all the time, and not making the tactical moves necessary to allow him to run inside on his right.
All the while, we expect him to drag us to looking decent in attack, while doing nothing to help him do that.
And in general, we're going nowhere. Even aside from the money, there are many clubs who would probably give him a better platform to develop his game than we're doing at the moment.