Ashes-winners England were undone by Australia's disciplined bowling rather than complacency in the second T20 international, says Isa Guha.
Charlotte Edwards' side took an unassailable 10-4 lead in the points-based series on Wednesday to retain the Ashes but mustered just 98-6 in their 20 overs at the MCG, the skipper top-scoring with 28.
The tourists struck only seven fours in an innings that included 52 dot balls before Australia knocked off the runs in 15.1 overs to win by seven wickets.
"I wouldn't say there was complacency because there is still a lot to play for," said Guha of England, who were denied the services of Natasha Farrant, Jenny Gunn, Heather Knight and Anya Shrubsole due to injury.
"England were lacking a couple of key players in the side so there was a chance for others to stand up and take their opportunities.
"Charlotte Edwards and Sarah Taylor were a lot more ruthless in the last game when it came to chasing down the runs - they didn't want to give their wicket away.
"They will have wanted to win this game against an Australian side that can play very positive cricket."
England struggled from the off after being invited to bat first as returning seamer Holly Ferling removed Danni Wyatt for a second-ball duck before bowling Taylor for eight.
Ferling finished with fine figures of 2-14 off three overs and former England seamer Guha admitted: "The innings didn't get going.
"Yes, it was a slower pitch, slower outfield and the boundaries were bigger but even so, England weren't able to find them - even towards the end.
"There was intent from Arran Brindle (26no) and the likes of Amy Jones (14) but they kept finding the fielders and it was testament to the way that Australia bowled.
"It was a complete contrast from the last game. They brought Holly Ferling back in - it was a shame that she didn't play in the last game, to be honest, because she is a wicket-taking bowler.
"She's a specialist in terms of the way that she comes in. There's a bit of pace about her as well and she really targets the off-stump. She's got a lot of useful exuberance and she has a knack of taking wickets.
"I've always said that there is room for wicket-takers and actually I thought Australia's school of thought in the last game was to have someone who could provide a bit more with the bat in Sarah Coyte.
"But actually, Holly Ferling causes problems at the top of the innings; she did in the one-day format as well.
"When you start off a T20 innings you want someone who is going to be hitting the top of off stump, causing problems and being quite disciplined with the ball."
Australia used their spinners Jessica Jonassen (1-17) and Erin Osborne (1-19) to dry up the runs in the middle period of the innings and Guha said the duo were backed by some impressive fielding.
"England's method of operation should have been to get the ball out into the wide gaps and run the twos really hard," she reflected.
"If it's there to be hit really go for it but they just couldn't find those gaps and kept hitting the fielders in the deep.
"From my point of view that's the only thing they could have done. I think they were trying to do that but it didn't really come off and as the game went on I thought 120 would have been a par-score and something to defend.
"But Australia bowled to their plans and the way they set their fields helped - it enabled them to bowl in the right areas.
"Australia have been a pretty good fielding side for a long time now and as every new batter came in they put pressure on them. They looked really tidy generally."
Watch the third and final Twenty20 international between Australian Women and England Women live on Sky Sports 2 from 3.25am on Sunday.