College athletics/NIL

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I’d say 75% money, 25% school/coach

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If by players you mean all D1 college athletes, then your 75% is WAY high and shows you don't know shite.

Even if you're just asking D1 football and basketball players, there's still more simply playing on scholarship for a free education than those opting for the highest bidder in the portal. There's something like 85-100 scholarships every D1 football program can hand out. That's a ton of dudes riding the bench or playing sparingly who will never draw NIL notice but will graduate student loan free.