This is one thing that’ll be nice with the NIL coming in house. Coaches will know their budget and be able to promise based on that rather than what a booster may or may not actually provide.
I still say this blows up in a massive Title IX class action lawsuit by the schools taking NIL in-house. Once there's enough proof and a big enough amount of money that's been instructed by schools to divert donations to the school instead to collectives, it could spell legal trouble.
If employees of a government organization, which ADs and coaches are, suggest to donors to give money to a 3rd party rather than the institution they work for, that seems like a slam dunk case that the schools are purposely trying to skirt a federal law.
We've been hearing about "diversion" or "rebalancing" from donors, which means ADs and coaches are telling donors to put money into the collective instead of the athletic department. Just a matter of time before we get a big class action lawsuit that schools are actively harming female athletes by reducing donations to athletic departments (subject to Title IX) in favor of NIL (not subject to Title IX).