So, let me get this straight: you joined this site on October 1, 2012 and have posted all of four times to date, and now you put out such a thread? Really?
Now, to your OP, which is completely lacking in any data or information from a neutral source. It is your opinion, which is just fine, but you ask a question in your OP title, yet not write about an answer to your question in the body of the OP. So, lot's of non-sequitor, here.
Short answer: it's hard to unseat an incumbent president. Since 1912, it has happened only 5 times:
1912, incumbent Taft (R) lost.
1932, incumbent Hoover (R) lost.
1976, incumbent Ford (R) lost.
1980, incumbent Carter (D) lost.
1992, incumbent Bush 41 (R) lost.
Please note that four of the five incumbents who lost were Republicans.
The following incumbents did NOT lose re-election:
Wilson (D) 1916
FDR (D) 1936, 1940, 1944
Truman (D) 1948
Eisenhower (R) 1956
Nixon (R) 1972
Reagan (R) 1984
Clinton (D) 1996
Bush, 43 (R) 2004
Obama (D) 2012.
That makes for 5 incumbent election cycle losses and 11 incument election cycle wins, more than 2:1 for the winners.
The chances are far stronger that an incumbent will win re-election than that he will lose.
Second, the money game: President Obama had no primary challenger (as had Taft, Ford, Carter and Bush 41), which meant that he could bankroll the money for the GE, and that is exactly what he did.
Third: Romney made a number of missteps. So did Obama, but the timing of the respective missteps was to the president's advantage.
Next time, write an OP worth debating.