What's a bit crazy is IU isn't doing any thing special, play or scheme wise. They're just executing all phrases of the game at an elite level. If you have any weakness they're gonna expose you.
I think that is the key. They _execute_. How many times do you hear coaches say stuff like "we had guys in position, but they didn't make the play." Indiana's players make the plays. They aren't the most talented team on paper, but whether it's a product of being coached-up, or just finding the right guys, they execute. They look like one of those 1980s Soviet hockey teams that have played with each other for a decade.
If both teams play to the same standard (ie, they each play their normal game, or each play their best game, etc), Indiana wins by multiple TDs once gain. Miami has to hope Indiana has a bad game - but that's hard to imagine given the way Cignetti seems to have found the secret sauce to having a team ready to play, despite all of the distractions.