That's a nice story for recruiting brochures, but loyalty gets built by winning. Michigan's national title roster had a 95% scholarship renewal rate, which suggests the structure is working just fine imo. Big Ten championships and playoff appearances are the ultimate career development. If your collective is prioritizing academic bonuses, it's because they can't compete on the pure talent acquisition front. The team with the best players usually wins, and those players go where the value is clearest.