If you listen to some, NIL was fine and there was a boatload of money available, Kellie just sucked as a recruiter and couldn't close the deal even with money.
If you listen to others, NIL was not fine, and Kellie had to recruit on things other than easily-accessible NIL funding, which didn't work when players got better competing offers.
If you listen to even MORE others, NIL was mediocre, but Kellie recruited more on the history of the program and eschewed focusing on NIL, which cost her when players were looking to hear concrete details about NIL and money.
And if you listen to even MORE MORE others, the groups or individuals who would normally be expected to pitch in on NIL opportunities were not interested in making major commitments before players came to campus and produced results.
What's my point? I don't know. Who is right? I also don't know. It's all a cesspool. I don't even know how much I care. The ones who despised Harper blamed her regardless of their actual insider knowledge, which was next to nothing. The ones who stanned Harper put more of the blame on the NIL landscape and Tennessee's NIL resources, regardless of their actual insider knowledge, which was next to nothing. A few people who do donate or have inside connections have said things here and there, but everyone shouts them down or calls them liars and then goes right on yelling at each other.
One thing is for certain. If Tennessee cannot offer competitive NIL plans for players, all the banners in creation won't get most of them in the door. The era of tradition is passing. Now is the era of money. All things being equal, those dollars do a lot of talking.