Are we playing bad NL holdem?

[DougI]

Me and 6 other guys have been playing a home NL poker for the last few months and an obvious pattern has arisen that makes me wonder if the table is betting poorly or if our ante structure (.25/.50) is too low.

At PF, there are a lot of limp calls and very few raises during our play rounds.
When the flop comes, it becomes painfully obvious when someone hits TPTK and wants to push out anyone considering betting on a flush draw/OESD. Too often, TPTK player will overbet the pot by almost two times to ensure that drawing hands stop in their tracks.

Is there overkill betting going on here? Is the problem caused by poor PF strategy at the table? Is this the way it should be?
I think part of the problem is that nobody (other than myself) knows any math theory. I think many of us have found that the other guy will call a pot-sized bet looking for the flush/OESD on the turn or river. So, overbetting is the only way to win the pot.

What are your thoughts on this rather Loose-Passive table?