Then why have professionals...both players as well as officials...done exactly that? They're making SIGNIFICANTLY more than 99% of the collegiate athletes.
Most athletes aren't getting substantial NIL. No one has ever accused college age students of being good decision makers.
The players needed for a point shaving scheme are the high profile guys who are already making hundreds of thousands in NIL. A backup LB on the take isn't going to be able to really affect the outcome of a game.
And where are your examples of elite, highly paid athletes getting paid to tank games? Are we talking about the Black Sox in like 1919 or maybe Art Schlichter?
Point shaving has to be kept under the radar or the whole thing collapses. Huge bets on odd games tips off handicappers who then flag those games as potentially suspect.
In all the publicized NCAA point shaving scams in the past, the players involved were paid very little (by design) and never what was promised because the wise guys wanted all the money for themselves.
The players in some cases really needed the money and in some were just greedy. But none of them had the kind of bank that players now have due to NIL.
As for you saying most aren't getting substantial NIL money, I guess that depends on one's definition of substantial. I consider tens of thousands substantial. The best players on all teams teams make way more than that.
And they're not going to risk all that and more on some halfbaked point shaving scheme that doesn't guarantee them any money.