It's like compounding interest. There are advantages that have nothing to do with performance in a game, and those fixed advantages multiply at an accelerated rate over time. Blue-bloods.
The majority of the population follows the leader. The 4-team playoff system widens that gap through repeated media exposure and recruiting. For example, we didn't see many 5-stars from the West coming to Clemson until the playoff system was in place.
The NIL system is even less subtle in this regard and will further reward the deep-pocketed. Saban either had enough of a conscience to weigh-in on this one and/or he is concerned about BAMA possibly being outbid by the LSU (oil), UGA (ATL), etc.
"...I think what is a little concerning is how is that used to get players to decide where they go to school, because I don't think that was the intention," Saban said. "I don't think that would be the NCAA's intention. I think we probably need some kind of national legislation to sort of control that to some degree, because I think there will be an imbalance relative to who can dominate college football if that's not regulated in some form or fashion."
https://www.si.com/college/2022/01/09/nick-saban-thoughts-nil-kirby-smart-title-game