The failure is not in money, training, or conscription. The failure is in not giving the army any reason to fight.
If you don't give a rat's ass about your cause, and there's a serious possibility of defeat, why would you keep fighting?
The problem is that in twenty years, the coalition-supported government failed to make enough of its constituents give a rat's ass about their cause. They might not like the Taliban much, but they seem to prefer to live under them, than die for what is perceived as a corrupt, self-serving, ineffective government.
> If you don't give a rat's ass about your cause, and there's a serious possibility of defeat, why would you keep fighting?
Keep fighting? My understanding is that there was no serious effort to fight from the army's side.