Saban has been cheating his whole career paying vast amounts under the table in college football...NIL took that advantage away from him and leveled the field a bit. It's what got Fisher in trouble with the media as he knows Saban's dark secret methods while at LSU.
Granted, Saban would get the players and then coach them (sort of -- berate and control college kids as his so-called coaching greatness sure did stink at Miami). But, statistically, if you have consistent large numbers of 5 star and high 4 star recruits, you are bound to get players who will drive themselves regardless (self-weeding of the incorrectly ranked with depth to cover).
Saban also lost control when kids became millionaires (so yes, that's definitely a part of it) as he doesn't want to be their friend and overpaid will change hierarchical power. Sark and Lane will pay and be your buddy.
Jury is out on Elko as he's trying to navigate by paying, but not necessarily at full market (or overpay) while wanting high-character recruits who are willing to be 'coached' (a bit of old school). Personally, like Elko's formula, but unsure if it will win or pay off 'soon enough' vs. other schools in SEC (many running rampant with payouts including UT, UF, LSU, Bama, UGA and of course tu).
Time will tell, but college football has changed and probably with it becoming only blue bloods controlling the landscape. For satire, will not be surprised if CFP will be setup to only be top 20 historic blue blood programs and all get pushed aside (A&M willl not be in that echelon

).