Imagine had L gotten the budget Jai is getting now, following the Final Four run. Imagine had Miami been able to give Zay Wong an offer no player could have refused(He made great NIL money, but to keep him for one more year, you needed to make him the highest paid guy in the country, and Miami couldn't do that). I don't think the team falls apart with Zay Wong on that roster, I also think that L could have gone out and gotten some supplemental talent, instead of having to hope that the returners grew into new roles.
It took the program falling apart, even with L trying everything he could, for the powers that be to up the budget. A Final Four wasn't convincing enough, it took miserable failure. Only Miami.