The $20.5 million cap is a soft ceiling, not a hard cap, and that's the entire problem. The NCAA's enforcement history shows they lack the infrastructure to audit and police these collectives effectively. Schools with massive donor bases will absolutely create "non-revenue sport" NIL funds or other shell structures to move money around, making the cap purely theoretical. This will widen the gap, not close it, because only a handful of programs have the booster network to creatively exceed the limit without getting caught.