Miami is a disaster right now. Only way it could happen is if Achane runs for 3 long TD's and Drake Maye has a stomach bug. There's no way NE is losing the rest of the way, and therefore the Bills I think are resigned to the 5-6-7 seed.
That being said, the Bills are a disaster right now. The offense has zero consistency at WR, which makes it damn near impossible for Allen to gain any sort of comfortability. Add to that the drops lately, and his misses (which every QB has, but are really heightened due to the small margin for error), and it's a dreary outlook even though the running game and running back are elite.
Defense is certainly a talent issue, but it's also scheme as well. How can you just sit back and play zone against that team? Did they just want to run vanilla stuff as to not get anything on tape for future games? I'm not sure how it will all play out in the playoffs, but I do know that allowing TD drives to start every single game is not a recipe for any success.