The thing you have to remember about NIL money, is that most of the "large" payouts are going to the top athletes in their sport. Most of whom I assume are on a trajectory to get a decent size payday when they turn Pro in that sport. So for those, NIL is just an early payday, one that isn't tied to performance, but tied more to their potential abilities.
The "lessor" athletes may get a $1000 here or there, but that's not much different then an educational grant from 3M paid to a top scholar. A top scholar that may be on a free ride already, and whose research is likely making their University a lot of money.
I don't know the percentages, but even in the Big 3 Sports (Football, Basketball, Hockey), it is a surprisingly low % of athletes that go on to pro careers. So to say that "these athletes deserve more than a free ride at their college, because they make the school money and sacrifice a potential education while doing it", isn't a good argument to me. Some of those athletes are at a university because athletics basically IS their major. If they succeed, great. If they don't and leave school with or without a diploma, welcome to life! Non-athletes face this situation all the time. Either not smart enough to get into a college, not enough money, life situations, etc.
From my understanding of NIL, it isn't the University that is directly paying the money, it is an outside donor. So fans aren't necessarily paying more because of it, but you might if you buy a car, from a local dealership that forked over $100k in NIL.
I'm fine with NIL and the Transfer Portal, but with caps and limits. Cap the amount a single athlete and program can receive. Limit the # of TP's that each program can receive/accept each year, make it a % of a full roster.
Left unchecked, the TP and NIL is basically like saying to the NFL, "There are no cap limits and contracts can only be 1 year, everyone is a FA after each season." Imagine how a small market team like the Packers would look in 5 years, after that was initiated.