I'm sorry, but that is an incredibly naive point of view.
I have plenty of life experience to assure you that it is not.
Nice if it were so, but look at any rule change or playoff change in any sport in the last 30 or so years, and find a single one whose basis isn't financial.
The RESISTANCE to ANY playoff was 100% financial. Eventually that thinking was defeated.
And comparing my personal decision making with a billion dollar industry is the same as the silly comparisons of everyday joe's to multimillionaire players with regard to how they live or contracts they sign. A completely different world.
Now... you have demonstrated who is naive. There comes a point for the truly rich... the kinds of people you seem to be referencing... where money is nothing more than a measuring stick of their success. A scoreboard. They have everything materially they want and it is secured multiple times over through diversification.
And who exactly do you think benefits financially from playoffs vs bowls or whatever other system?
Regarding incentives, why would a team care about even playing in a conference championship game and another week of wear and tear after a long season if the only incentive was a higher seed that didn't even offer a first round bye?
Please for goodness sake tell me you aren't that ignorant. Why do Jr High players want to play another game to win a championship? Why do soldiers want to have the top PT score in their company?
And you ignored the higher seeding which is also important.
You're looking at this with a 'pie in the sky' viewpoint that has little base of reality.
LOL. Hardly. You are trying to make human emotions, ambition, and motivation simple... you're trying to redefine it in a way that (unfortunately) seems to make sense to YOU. Having led people as as part of the military and several large and small companies... 4 among the largest and most successful in their markets... I know that ALL people have strong motives that override financial concerns. I have known and worked for several extremely wealthy men. NONE were motivated by money in the way that seems to make sense to you.
The company I work for now is privately held. The primary owner is extraordinarily rich and financially secure. Money in the way you think of it... wouldn't make his top 10 list of motivators. He believes in what he's building. He's very generous with those who work for him. He places a priority in being charitable to the communities in which we operate. He funds missions and charities across the 3rd world. He believes his products and services make the world better.
I only wish the world was as you see it, but that horse left the barn and is long gone.
People who are motivated by wealth in the way you seem to think is "the world"... fail. They fail 100% of the time. Not just at life but at business too. People who think like you believe "the rich" do... are why lottery winners generally have nothing left after a few years.
I am glad that the whole world isn't the way you see it... and that I've been blessed to live in it.