The concept of variance always gets people persnickety.
If you do something stupid and it makes you go from a 2% chance of a bad thing happening to 10%, and that bad thing happened four times in a row, that's negative variance, but people don't like it described that way.
The Bears were unlucky this season and if you had an alternate universe generator where you could run this season back a million times, you'd usually get more than 4 wins by this point.
They've been unlucky with both close game results and injuries. That bad luck combined with bad roster-building decisions, poor leadership, and a toxic locker room to coagulate into the critical mass of suck we see play out each week