without being overly dramatic, I do sense that big-time college FB - and possible basketball - is heading toward a crossroads with NIL.
as things currently stand, it's already difficult for a school like MN to compete with the top-20 or top-25 level schools.
when you add in NIL, I think it goes from difficult to impossible.
If schools can buy players, the schools with the most money will dominate FB and hoops to an even higher degree than they already do.
so a school like MN has to choose - do you continue to try and compete in an impossible situation, or do you get together with other schools at your level and create your own system?
and that is the point where the NCAA splits or re-organizes.