I don't agree with you here. There is a number out there (dollars and years) that would make almost any coach listen on any program. Northwestern isn't in these discussions because the numbers they are willing to pay aren't huge. All they are willing to do is to match what guys are currently making or a slight raise and unsurprisingly that isn't going to let them poach a top name.
If DePaul or St. Bonaventure suddenly decides they want to win and want to pay Oats 20 million a year, he'd listen. Any of us would.
BYU just bought the number 1 recruit in the country, so even what we thought we knew about talent acquisition doesn't really mean much anymore. Rutgers bought the 2 best players last year. So as a coach, you don't have to worry about being at a talent deficit almost no matter where you go if the NIL funds are there to support you.
As Bob stated, the idea that the Baylor coach would still be at Baylor despite success would have been insane 20 years ago. But now, he makes pretty much max money, has the NIL to pull top guys, and isn't really at a competitive disadvantage at all by staying at Baylor. Any school in the country can create these conditions for a top coach if they are willing to pay. The only lure that the 'blue bloods' have at this point is that some of those programs might be dream jobs for some guys. But those jobs also come with pressure to win every year which likely outweighs whatever lure the dream job might have had.