In defense of their GM, he has stockpiled their minor league system, his oldest regular is Swanson at 30. (Tauchman 33 has played his way from a bench bat to a regular) Next, other than Bellinger he doesn’t have any bad contracts at the major a league level (how the worm has turned there, Boras got 90 million for an oft injured slightly above average CFer).
Now where playing .500 probably gets you in the postseason the Cubs are good enough to shoot for the post season. Happ, Hoerner, and Swanson are all having the worst seasons of their career none are “old” for major leaguers so they should all be expected to progress towards their career norms over the remaining 90 games. Besides their ice cold trio the Cubs bullpen is too leaky
Add a couple of bullpen arms, perhaps a catcher or corner infielder and a 2nd half bounce back from the aforementioned 3 hitters and the Cubs should be playing meaningful games into late September.