There's nothing wrong with England's technique or temperament, according to Terry.
For him, glory can be restored only if Capello's men find the stomach to get back in the trenches.
It is a damning assessment of England's £100,000-a-week generation that Terry said: "The most frustrating thing for the manager would have been the level of fight and desire. That's what we are all about.
"Everyone knows we can play and we see that week in and week out in the Premier League when we play football on the floor.
"I know we got criticised in the week by some people for playing long balls, but we can mix it with the best teams out here. First and foremost, though, we are a very proud country and we need to go out there wanting to win.
"There hasn't been enough of that - and that is what has disappointed the manager more than anything.
"The manager is right in what he says but we've got one game left and if we do it, everyone is back behind us again and we move on.
"Believe me, the players are feeling exactly the same way as the fans - frustrated. But we just need everyone behind us. There is no point everyone criticising us.
"We haven't done it up to now, but the time to get worried is if we don't do it against Slovenia."