Next point. If there was a switch to a playoff, would there be more money? That is nearly impossible to answer. The main question would be, who controls the playoff? Is it the NCAA? Then it would work much like the NCAA basketball tournament where they receive all the rights fees to broadcast the tournament and provide a payout to the participating institutions. This could be much less than the current bowl structure pays out. Would the NCAA only pay those in the tournament or also provide a payout to those that didn't make the playoffs? (Big Ten teams get money whether they make a bowl or not)
Now, what if the BCS conferences controlled the playoffs? Then no money would go directly to the NCAA and the BCS conferences would control the payout, which would likely be heavily skewed in their favor. If this were the case, then a playoff system would probably bring in more money.
But the BCS conferences do not want to mess with a system that works for them and brings their conferences in so much money. With a playoff, if the NCAA is in charge, the amount of money would be way down.