After Rayan Cherki's cross and the situation where the ball passed Kepa Arrizabalaga's hand, people can completely blame coach Mikel Arteta - not to mention this unlucky goalkeeper himself.
In a domestic cup final at the biggest stage of English football, using the strongest squad is always a reasonable choice. Both coaches used reserve goalkeepers, but Arteta's decision backfired. It was a clear mistake, and he could not avoid responsibility, alongside Kepa.
But Arsenal did not lose just because of a mistake that led to the opening goal. They failed because of lack of risk and lack of inspiration. This team seemed to play true to the prejudices that have long been attached to them.

A typical moment came right at the beginning of the second half. Kepa kept the ball in the penalty area, not under any pressure from Man City, but he still stood still, not deploying the ball. A blank image, reflecting Arsenal's approach to the match.
Apart from a short period in the first half and a few late shots, Arsenal had difficulty organizing attacks. When they could not do that, their slow playing style became even more lifeless.
The abuse of set pieces is becoming an alarming trend in English football, and Arsenal is one of the teams that depends heavily on that. But if any team benefits from a disjointed pace, it is still Man City. Even the version that has not reached its peak, they can still become unstoppable when getting into gear.
Therefore, the responsibility does not only lie with Arteta or Kepa. Man City is superior in creativity, sharpness and even boldness. They have players who dare to break through like Cherki or Jeremy Doku - something Arsenal still lacks.
Doku continuously makes a difference with direct dribbling. Meanwhile, it is very difficult to find a Gunners player who can do the same. Even when strengthening the attack, they still cannot put significant pressure.
It must be admitted that Man City played excellently in the second half, recalling the image of top teams under Pep Guardiola. And there is nothing to be ashamed of losing to such an opponent. Nico O'Reilly, with his ability to choose positions and strength in aerial duels, deserves to be the hero of the match.

But what worries Arsenal fans is not the opponent, but the home team's performance. They still have a great advantage in the Premier League, and even the upcoming defeat at the Etihad is not a disaster.
However, the image of Declan Rice at the end of the match said it all. Not only physically tired, he also showed signs of mental exhaustion. This is not only the end of the four-time dream, but also a warning that - despite clear progress - Arsenal is still not really ready for the harshest challenges ahead.