From the article as this says it all:
"The transfer portal is turning the smaller "Group of Five" (G5) schools essentially into farm system feeder teams for the "Power Four" (SEC, Big Ten, ACC, Big 12).
Now a smaller program like Coastal Carolina or North Texas spends time and resources developing a player into a star, then a big budget school can poach them. The allure of a massive NIL offer makes jumping schools too enticing to resist.
"Several elite quarterbacks have already posted multi-million NIL valuations with reported figures around $2M–$2.5M for names like Sam Leavitt ($2.1 million), Brendan Sorsby ($2.4 million), and Dylan Raiola ($2.5 million)." (Sports Illustrated)
Of course, this furthers the gap between the large and small programs when it comes to competing for championships."