Instead of waiting for the ghost administration of the NCAA to regulate something that involves NIL, each institution would be remiss if t hey didn’t start regulating things themselves. Be as stringent or liberal as you’d like, but put something in place. A contract that reflects expectations and commitment, with deterrents and penalties, just like parenting, if that still exists.
I, personally, believe NIL shouldn’t be accessed until the year or career is done. With possible dispursements for sensible expenditures. Like some signing bonuses.