This is a growing issue. I'm sure you know that a court in Kentucky (I think) knocked out the rule saying that JC transfers must count their JC play against their four years. That's an issue that the House settlement will not deal with. This is one more reason we need *sensible* Congressional legislation, assuming that's not a contradiction in terms.
There is no "sensible" part of the "four years" which isn't actually 4 years.
Redshirt
Injuries
There are already people playin 5, 6, 7 years under the current "four year" rule.