It's pretty simple. Until they play a down they bring zero NIL value to the table. A legitimate business isn't going to pay an unknown incoming freshman to sell their product because said unknown freshman brings in zero value and has zero influence to peddle - his worth is the equivalent of any other schmuck off the street. And in that context, a lot of the setups that are happening are cases of just being straight up paid to join a team which remains against the rules. They're not being paid for their NIL because their NIL value is non-existent and/or very low. Once a player establishes himself THEN he has a degree of NIL value that is legitimate. Fans know him just like we know actors, musicians, and social media influencers and new media participants as well as other local celebs and there's a value in his brand that can be quantified and sold.
You only have a handful of recruits that have any pre-established NIL value (although I expect this will change as players will start having media consultants help them build their brands in middle school now that NIL dollars are up for grabs early) - Arch Manning being one because he comes from a long line of established QBs and carries the Manning name - the rest are leeching fame and a ton of opportunity to establish their own from a pre-established brand *until* they establish themselves. At that point, their NIL has value.
There are going to be cases where you can find a recruit that has legit NIL value before playing but for the most part they're unknowns who will remain unknown even in their playing days. What NIL is supposed to help players with is cashing in when they do gain notoriety but it's not supposed to be used to buy players and that's what is happening.
So what are the collectives, boosters, and other setups doing to get around this? Hopefully, they're paying based on potential future NIL value but I'd caution every recruit in the land to be very, very careful here because selling your potential future NIL is selling the farm before you have any notion of how high you might go. Guys like Jordan made their fortunes off of NIL and had he'd sold rights to it in college we probably debate MJ vs. Lebron a whole lot less. Hell, Allen Iverson was saved from himself by a Reebok deal structured so that it paid him post-retirement for life because everyone realized AI was in serious trouble with how he was spending but does he even own the rights to his NIL if he comes up in this era where recruits and college players are selling off NIL rights.
Folks don't understand but there are a metric ton of potential problems. I don't think a group like Spyre is out to screw a guy out of his NIL for life but don't think for a moment that some of these collectives aren't set up to do exactly that -- they're searching for the next MJ and hoping to buy the rights before he even becomes aware of how much he's worth.