It is amazing to see how some people can bend over backwards making connections that don't exist. The Northwestern loss and the NIL piece are two totally separate things, it really isn't complicated yet as has been shown in this thread over and over again there are posters that can't seem to figure it out.
There is a broader discussion about where the schools that can't afford big pay for play money fit in the current college football landscape. Schools like Minnesota, Iowa, Wisconsin, Purdue, Northwestern, Illinois, Rutgers, Maryland, Michigan State, Indiana are going to struggle to keep pace with Ohio State, Michigan, Penn State, USC, Oregon.....crowd.
As long as you have open pay for play combined with free transfers and immediate eligibility you are going to have players jumping ship and chasing the money.
The reality is that it is going to take super deep pockets to compete with the big spenders in football and most programs aren't going to be able to afford to do it.
Overall, the college football landscape is just as skewed towards the have's over the have nots as it has been for a long time now. The Haves group might get a little bigger as there will be some schools that find ways to compete in the pay for play landscape that maybe couldn't when you had to do it under the table. But the vast majority of teams, even at the power 5 level will have a hard time even trying to keep pace.
If things stay as wide open as they currently are, there is a split of some kind coming in football.