You're also talking about 2001 (Carroll) and 2007 (Saban). The parity and competition in college football today has changed greatly over the past decade.
Also, 10-3 and winning the Coastal in 2017 wasn't much different than 9-4 in 2016—outside of a few games going the wrong way versus right. Could've easily lost games to the likes of Georgia Tech, Syracuse, North Carolina, etc. this year and had a 7-3 regular season.
Coastal wasn't anything special this year and 2018 has Miami going to Blacksburg, which oft decides the division.
No, coaching the past ten year doesn't excuse present day—but comparing what Carroll did 16 years ago and what Saban did 11 years ago doesn't hold water today, either.
Fact is, recruiting and depth aren't there yet—and when Miami is still losing guys like Norton and McIntosh early (while Clemson is keeping better talent like Wilkins and others), the culture is still off. Winning breeds success and the Canes are on a better track than they've even in years passed, but it's going to take another class or two to get this thing to get to the next level.
As for Richt, again, not Saban or Carroll level—as mentioned. Great man, solid coach but has never gotten over the hump. We'll see if he can reel in enough talent to make a run during what time he has left at Miami, but until the Canes have some elite talent top to bottom again, the rebuild continues.