I would expect there will be instances of collectives telling coaches we aren't pouring any more money into that kid, though I expect the norm will be coaches saying, don't spend any more or don't spend more than X.
The real issue is the donor class. If you are paying and getting 3 win teams, your enthusiasm is bound to wane.
I don't know what anyone else is doing. I know the one at A-State does one year deals. They don't commit money they don't have. They also pay after the fact. You have to meet your various obligations during the month or you are likely to have your pay held until you make the required appearances and social media posts. I highly doubt that is the practice everywhere but one of the organizers at A-State was COO of a very large bank and did a stint at the Federal Reserve.
My expectation is we will eventually see a collective go to bankruptcy or just flat fold because it lacks any assets to protect in bankruptcy court and some really unhappy players when the check bounces or never arrives.
I also expect some schools will have the embarrassment of discovering that the person they hired to run the collective is a film-flam man and has skimmed money off in various schemes.
Again won't be pretty.
I really think it is a fluke situation.
Of the five G5 champions
SMU 11-2, Troy 11-2, Miami 11-2, Boise State 8-5.
It's like when BYU won the national title in 1984. In all of I-A only three teams had less than two losses. BYU 13-0, Cal State Fullerton 11-1 who had two non-FBS wins, finished second in what became the Big West, and their best win was 7-4 Hawaii, and 9-1-1 Florida who was on probation and opened the season losing to Miami who finished 8-5 and tied LSU at Florida and LSU finished 8-3-1.
Everyone else had two or more losses. ACC, Big Ten, and Pac-10 champs ended up with three losses 7-5 (6-2) Houston won tiebreaker to go to the Cotton over SMU and SMU finished 10-2 beating a 7-5 Notre Dame. SEC champ was 8-3-1.
Everything fell perfect for BYU.
If JMU had been allowed to be eligible and had beaten Troy then 12-1 JMU vs 13-0 Liberty is a debate but two win gap? Committee ain't going to spend time looking at a two win gap in the G5.
Heck made this argument years ago and data backs it up 2016 Western Michigan got NY6 game with one loss when every other G5 champ had three or more. Marshall got passed for Boise State when Marshall was only one win better.
The only time a team with 2 more wins has been passed over was 2020 but that was 11-0 Coastal Carolina vs 9-0 Cincinnati an inherently screwy situation thanks to Covid and based on the rankings, if 12 playoff with 6/6 format had been in place Coastal would have taken the last auto bid over 4-3 Oregon
I'm not pleased that the fourth best champion per various computer rankings got the slot but it was a weird scenario.