I don’t think anyone is saying that, with the notable exception of Miami. They are a sleeping giant that has everything they need on turnkey to use NIL to vault back into the national limelight. The talent and money are both already right in their backyard.
Why haven't they? What you fail to realize is that it's still much easier to just pay guys cash under the table. No taxes, no money trails, and honestly, there's no real morality to it, because nobody cares about cheating unless they are trying to bust their rival. They know that restricting gifts and NIL is just dumb. So if Miami wanted to mobilize, they could do it. I mean look at ponzi scheme guy a few years ago. It's far more likely that their coaching just sucked. If Miami explodes, it'll be due to Mario Cristobal.
Bo Bounds is going full nimrod on Texas A&M thinking that it's because of their LLCs that they signed the #1 class. Last I checked, they've been in the top 10 since Jimbo got there. Couldn't possibly be because they beat Bama or anything right? Got to be NIL. Not to mention that aTm has been paying for players since the days of Eric Dickerson. Does nobody remember the TransA&M?
Funny thing about aTm, is that it was the very lowly rated class of 2009-2011 that produced the team that came closest to ever winning a title, in 2012. Had they not had the hurricane postponement that year, they likely beat Florida and finish at least 11-1 and beat out Alabama.