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NIL money is contracted, not opaque. by NDWahoo
which means if the player doesn't work out, the bagmen can't just stop showing up.
Smart players would ask for guaranteed amounts rather than a higher unguaranteed amount (though it does seem ridiculous for an unproven HS player without any real brand to get NIL money anyway, a little less so for a proven player whose NIL may actually be useful in some respects).
I'm sure the shady bagmen in horse country are not thrilled to give up their leverage for continued influence over the player by having to sign a clear contract.