I agree with the second part. It's IMO the biggest recruiting miss in the last 20 years or so, but I think the class is good enough, paired with last year's class, to improve Miami on the field in the coming years. I don't see us staying a 7 win team for long. This is shaping up to be a good to great class overall. It's not an elite class, or a championship caliber class that will take us back to the top of the mountain, but it should improve our talent and raise our floor and I do see us slowly building to become a consistent 9/10 win program with an outside shot at the playoffs in time.
As for the first part about NIL, well the reason OSU has been 22-3 is because they recruit top 5 classes. Landing Smith just means that trend will continue for them and they have the kind of roster that will lock them in to a playoff slot (12 teams) for the foreseeable future.
And as far as what we're paying, there is no evidence either way. You may have access to these NIL deals but, respectfully, I don't know you and those deals are not public knowledge, so the only facts to go by are that JS signed with OSU. So those of us who don't have access to NIL deals and who don't blindly trust internet strangers are forced to conclude that JS got a better offer from OSU to leave his friends and family in South Florida and attend there.