Perhaps maybe tier rules must be added to protect the smaller and poorer universities from the larger, and richer ones.
NIL is supposed to help the student athletes while they are in college, but also to protect them against potential losses if something were to happen to them before they were able to go pro.
Maybe different potential values for each school year they are enrolled in the college of their choice, with a reasonable cap so that they (and the school) won't be penalized for jumping to a different school at will.
ie. $20,000 incoming 1st year, +$10,000 for second year, +20,000 third year, $30,000 for 4th year, 5th year, and graduate transfers. These would be caps to the NIL they could offer each SA (Student Athlete).
Also, a portion of each NIL must include health insurance and General Insurance to payout if the SA were to get injured enough not to continue on to a professional career.
I think this would be in addition to any athletic scholarships that the SA might have been awarded from HS and College. It would protect against poachers offering millions of $ to a CHILD as well as the universities and fans who get their hearts torn out of their bodies, and promote the ability of SA being able to remain at their initial school for at least 4 years or longer, since I think this level's the playing field.
Just my thoughts on the subject.