If you look at the main framework of the England team its as follows:
Average players from the top four - Hart, Theo, Cahill
Bit part players from top four clubs - Jones, Cleverly, Welbeck, Zaha, Milner, Smalling, Ox-C,
Ageing class - Gerrard, Lampard, Cole
Regulars from the midtable - Baines, Jag, Johnson, Lambert
The Real Class - Wheelchair, Rooney as much as it pains me
The real issue here is there is no spine to this side that plays regular at the TOP TOP level of European football. The inclusions from the likes of Man United, Emirates Marketing Project, Chelsea are made up in the most of players that don't play full time roles for them clubs. There are no inclusions playing top level football overseas either.
If you look at the Dutch, Brazillians, Germans and see where the bulk of their players are playing, and to what level, its usually the top to upper levels and regular
Even the Belgium lot are playing a higher level than us in club football when you compare it man for man....