People worry too much about what other people do or don't do in their lives. While the concept of NIL sucks for fans, it is now a reality, like it or not. What one person may or may not contribute shouldn't matter to others.
Personally, it's frustrating to think that we are asked to give money to kids that already have it better off (from an education and short-term living environment) than millions of homeless and hungry kids and families, regardless of their family or financial situation. BUT, that doesn't mean I criticize those that decide to put their money towards it. Fully the opposite. If you are a fan and want to be competitive, I fully understand and support those that are putting forth that funding.
I'm still on the fence with my personal decision. I've given a ton of money and time for ISU athletics and am proud of that. But whatever I decide with regards to NIL will not change my other financial priorities (family, charity, entertainment, technology, etc), and that becomes a part of the equation.
Give if you can and want. Don't if you have other priorities.