How would you react to this hypothetical situation?

A coach's expectation is that all players are at the field, ready to play, 60 minutes before the start of any game. The starting goalkeeper shows up for the game 50 minutes before the start time, or 10 minutes late from the coach's perspective. As a result, the coach does not start the keeper, and puts in a defenseman who has never played keeper before. In the first 10 minutes of the game, this substitute keeper gives up 3 goals, 2 of which would have easily been stopped by the normal keeper. After 10 minutes, the coach puts the starter back in goal, who plays superbly for the rest of the game. The team loses 3 - 2.

It should be noted that the normal keeper is too young to drive himself, and is dependent on a parent to get him to games. Mom got home 10 minutes late from work that day.

So, do we praise the coach for sticking to his stated expectations and not starting the keeper? Or, do we blame the loss on the coach, the normal keeper, his mom, or the poor defenseman who now feels terrible that he let in so many early goals? What would you do as coach the next time this happens? [Confused]