re: When will we start seeing players opt out after their team loses a game or two ??

I actually think this in some form is the ultimate solution. Graduate or get drafted from the school and all scholarships are just that, transfer prior to graduation or opt out prior to being drafted and obligated to pay back all educational expenses.

This WILL NEVER happen- but should have always been the case. The whole narrative of players weren’t able to live if the stipend pre NIL was always nonsense. These student athletes received free tuition, room and board, health treatment and were able to at the end walk away with no debt- unless you play baseball ( an entire different hornets nest with the 11.7). No different than receiving an signing bonus from an employer - fulfill the obligation or they claw back the funds.