I have thought about this a lot. If I were the parent of a Top 10 type high school QB (not the biggest stud in the class like Arch Manning, but a really good one), somebody with offers from a lot of SEC and Big 10 schools that has a lot of options, I might consider going another way. The typical path is to take a schollie and a small NIL deal at a good school like Iowa, Auburn, Illinois, UCLA, etc., knowing that you are likely going to sit at least a couple years, and hoping you make your way up the depth chart and have a starting gig by your redshirt sophomore year. That is a realistic path and goal for a stud high school QB.
But, isn't a better financial path to consider to go to an FCS or MAC or Pac 12 type of school where you have a soft guarantee that you have a legit shot at QB1 as a true frosh, try and get on the field and show your first two seasons, and then look to transfer to a premier conference and a big payday your third season? Financially, you get to an NIL payday much quicker, and development wise, you are seeing the field right away and not holding a clipboard for your first 2-3 years on campus. I think this makes the most sense if the lesser team you start with is a successful program like a North Dakota State, South Dakota State or Boise State, so that you have a platform to shine at that level, and thenstart to draw interest from the big boys.
If I am James Madison I am recruiting the best high school QBs in the nation with this model as my lure. Go to Oklahoma and red shirt next year, or come here and start game 1.