re: We lost Heard to the portal and Smith/wingo to the draft - where has all that $ gone?

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Again, it's not about the 1 player in a vacuum. It's about the 84 other players on the team.

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Exactly, overpaying for NIL deals with players from the TP will create the domino effect with current loyal players who were signed out of HS.
It's definitely a players market when it comes to NIL. CFB programs either pay what a kid is demanding, or he moves on to the highest bidder.

Saban has always demanded respect from his players and had 100% control of the football program. He walked away from coaching because players now have zero loyalty, and they are asking coaches "how much are you gonna pay me ? "