Yes. If you believe the recent reporting of Bernstein, people within the party have been trying to ring the alarm bell for the past 18 months and there has been significant cognitive decline in particular within the past 6 months. Given the debate performance that seems pretty valid. So yes, I think the D inner circle/power brokers that were actually aware of this should have made the move months ago. At the least, they never should have allowed him on a debate stage. If it comes out that it really was Biden's stubbornness/failure to accept reality (whether in regards to running or with respect to doing the debate), this election is on everyone that enabled him or were too afraid to tell an old man no (even if he is the President).
To be clear, I was supportive of the debate because I thought it gave him the chance to prove everyone wrong. I had no idea he had declined as much as he obviously had. The people in the room with him absolutely had to know and know the risk. Absolute incompetence.