This is a good point. What has been holding us back from having a playoff isn't that it's a good idea and could make money, it's that based on the current FBS setup of 128 (or whatever) teams there's no real way to make it work. No one want to see a
5-7 Sunbelt champ (yes, 4 years ago the Sunbelt champ finished at 5-7) in a playoff when a 12-1 SEC runner-up is sitting at home
Ultimately you're going to see a bigger, more defined split between the BCS conferences and everyone else. I think we're heading towards the BCS splitting off to create a new division, "D1+", probably with additional stipends (not actual pay) for all athletes.
I think the Big East and B12 ultimately go away. I think we're heading towards 4, 16 team super-conferences, with the winners of the championship games making up the semi-finals of a new BCS/DI+ spinoff division. The ACC, B10, and SEC would take chunks of the Big East (mostly B10 & ACC), and the B12 would split between the PAC-12, SEC, and B10. A few small market B12 & Big East teams would be left out, and your BYU's and ND's (and maybe a couple others) would be forced to get in to be part of the new DI+ division or remain forever part of the irrelevant "DIb" division, along with your New Mex St, Eastern Mich, and Troy.
This A&M talk is just driving it this way. The P12 freely admits they want 16 teams split into two mini-conference divisions. The SEC is openly planning the same thing. The problem is no one wants to make the first move until they are sure they can get Texas, since if 4 teams go from the B12, Texas will have to follow somewhere.
It's almost certain to happen. The money is getting too big to be ignored. Can you imagine how much money a three week, seven game playoff would make? It would pay more than enough to pay for the stipends necessary to split from the non-BCS FBS have-nots.