I am no expert on the military, I dare say I lack even a passing knowledge of how the military actually works. So maybe some of our members here who have served can tell me, just how fucking bad it has to be that the army is running away from key cities. Because it would strike me that even if they were losing, these troops should be trying to hold the enemy back until reinforcements arrive. The most straightforward explanation in my mind is that either these men are cowards or they know that there will be no reinforcements and are fleeing a hopeless situation.
Look at the history of European warfare: if a city is not important, it is abandoned more-or-less immediately. If it is important (even if only symbolically - it doesn't need to have military value), you get stuff like this:
en.wikipedia.org
en.wikipedia.org
en.wikipedia.org
en.wikipedia.org
en.wikipedia.org
But even if city is surrendered immediately, you never get an army running away unless the army in question is literally broken as a combat force. But for army to last as a combat force, you need people who believe in the cause, and in the government. In NDH, you had Ustashi units, who fought well because they were volunteers who fought for independent Croatia... and the Home Guard personnel, who were about as useful as the Afghan army, because they were just conscripts who didn't want to fight at all.
BTW, I just came across this video:
"Within weeks". Yeah...