I really don't understand you.
You thought QPR should have played out the draw. I think it's fair to say most people would disagree with that and would have expected them to be more adventurous at the end. The one person I've seen that agrees with you is Redknapp himself and you're criticising him for it
You can't criticise QPR/Redknapp for not playing out the draw and then criticise Redknapp again when he says the same thing as you about his players.
Rightly or wrongly Redknapp wanted to take a point (he made that clear during the game when he was calling his defence back) and with that in mind for Fer to take the free-kick as he did was naive. It was the most likely way that QPR would win but also the most likely way that Liverpool would win. And their defending for the first goal was naive to say the least.
Your first post, that Redknapp cost his team by going for glory, couldn't be further from the truth. You're searching for reasons to criticise Reknapp which is odd considering there are plenty of valid reasons for that. This isn't one though.