Why do churches fail?

Again, as I said last week, I am full of question more than answers.  Thanks to Josh Hunt, a Facebook friend, who compiled these questions and quotes…

In How the Mighty Fall, Jim Collins (Good to Great; Built to Last) says the following: (p. 46)

“We anticipated that most companies fall from greatness because they become complacent–the fail to stimulate innovation, they fail to initiate bold action, they fail to ignite change, they just became lazy–and watch the world pass them by.”

Would you say this is true of many churches? That they have become complacent and this is the reason for their lack of growth? Is it true of the Southern Baptist Convention (and other denominations)?

Collins goes on to say:
“It’s a plausible theory with a problem: it doesn’t square with our data. Certainly, any enterprise that becomes complacent and refuses to change or innovate will eventually fall. But, and this is the surprising point, the companies in our analysis showed little evidence of complacency when they fell. Overreaching much better explains how the once-invincible self-destruct.”

Your opinion: do churches  decline because of complacency or over reaching?