I disagree that large NIL payments are only going to be happening at two places. All it takes is one very wealthy, very interested alum to make it happen. Or a whole lot of not wealthy alumni. Every school has at least one very wealthy alum. The key then becomes getting them interested. It is obviously easier to do that where there is already a high degree of success (PSU and Iowa), but what prevents storied programs like Oklahoma State, Ohio State, Iowa State, or Oklahoma, who have massive alumni networks, or more recent up and comers like Missouri and Cornell, also with huge networks, from equaling or surpassing PSU or Iowa? It can happen if someone has the will and ability to make it happen.