I think players should have access to some of the financial benefits they generate for schools and bigwigs. I also think most young folks aren't prepared for sudden wealth, and all that comes with it. As for why, herein lies the crooks of the matter.
1. NIL rules whatever and wherever they are, count on shady people manipulating, ignoring, and otherwise circumventing any and all well-intents and purposes.
2. Guaranteed that hormone driven young men suddenly having money in sums they otherwise never would, engaging in acts of profound stupidity. The likes of which we haven't seen so widespread before. I anticipate blowing cash on show-off items like fancy and overpowered vehicles. Which itself will lead to all kinds of things like hitting pedestrians, DUI fueled collisions, letting even more irresponsible friends and girlfriends drive their vehicles and causing add-on troubles. Getting accosted and targeted by criminals, not unlike major lottery winners do now. Not to forget wrecking team chemistry and performance.
That includes running afoul of the biggest embezzler of all; the IRS. Kids will be ruined for decades to come due to ignorance and arrogance both.
3. What about such sports as gymnastics and volleyball players, especially women? Especially, again, where uniforms expose a lot of skin? I believe along with money, they will be offered modeling and similar gigs, end up being more distracted by vanity than usual. Plus exploited in other ways in pursuit of mo monee.
And this is just a smidging of the mess we have yet to see.