As I understand it,
@Purple Pile Driver is technically correct as NIL deals are subject to oversight by Deloitte to supposedly ensure that NIL payments reflect any actual services provided.
Do I expect it to work like that in practice? HELL no. Nobody's telling the blue bloods no on anything and I'm sure they already have strategies in place to get around the rules. As you pointed out, there are already huge NIL war chests associated with these schools and I don't see that money going away because there's no governing institution with the backbone to tell them no.
In theory, Purple Pile Driver is correct, but who know what will happen when Deloitte faces challenges on their rulings. There's lots of money in it for the lawyers to make a mess of things, as always.