To your last question....
I think the advent and popular spread of the recruiting websites have helped the rich get richer and stay rich.
These days it's easier to know who the best players are around the country and where they are going, which IMO, leads to more of the top players teaming up at the same schools, and mades a top rated guy hesitant to join a class without other top rated guys (say, like, Nebraska's 2024 class.)
It seems to me there was a lot more parity in the '90s, '80s and before, when any number of teams could put together a good season and make a run at a Natty. Now, it seems like everyone knows the four playoff teams before the season, and it's usually pretty accurate.
And also, those perennial top teams get the benefit of the doubt from the media and ratings no matter how many games they lose, and I think that's a direct result of recruiting rankings. People look at those teams as more talented -- based on high school recruiting rankings -- and think they deserve a shot over teams with similar or even better records.
IMO, they've been an overall net negative for the game.