I don't think that's fair, Banks.
He only played in 246 games. And he did well in 8 of his 12 playoff games, so that would be ignoring 96.75% of his games, not 99%.
Sure, he lost 4 of the 6 first round games he played in, but so what?!
He's 27th in comebacks and 37th in 4th quarter drives.
And 6th all time in fumbles! 3 of the guys ahead of him are in the Hall of Fame, after all.
Sure he's thrown 50 more interceptions than Big Ben and 70 more than TB12, but Drew Brees is only a few behind him - and will stay that way for a while.
And the folks his career is like include Big Ben, Warren Moon*, Terry Bradshaw*, John Hadl, Bob Griese*, Drew Bledsoe, Donovan McNabb, Joe Montana*, Carson Palmer, and Jim Kelly*.
A bunch of them are in the Hall already. So, maybe he does belong, despite his overall mediocre numbers. Or maybe he's like Hadl, Bledsoe, McNabb, and Palmer.
Would you put any of them in the Hall?! How about Big Ben?