Spot on!
The Wild-West era of NIL will end and equilibrium will be attained...for a while, you know, until the NCAA, schools, and/or courts screw up everything once again. Eventually, most players will not benefit from moving from team to team annually. Teams will not likely pay much for backups and practice squad players, just token amounts if anything. The money will mainly focus on the stars and starters. Also, moving constantly requires adjusting to new schemes, playbooks, players and relationships. Right now the money is a huge factor, once things stabilize, the money is not likely to be good enough except for elite players.