{"id":25708,"date":"2025-11-04T06:17:43","date_gmt":"2025-11-04T12:17:43","guid":{"rendered":"https:\/\/reformingretail.com\/?p=25708"},"modified":"2025-11-04T06:17:44","modified_gmt":"2025-11-04T12:17:44","slug":"finally-a-use-for-credit-cards-college-athletics","status":"publish","type":"post","link":"https:\/\/reformingretail.com\/index.php\/2025\/11\/04\/finally-a-use-for-credit-cards-college-athletics\/","title":{"rendered":"Finally, A Use for Credit Cards: College Athletics"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">There&#8217;s perhaps no line of work more ridiculous than college athletics.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think about it: if you suck at your job, what happens?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You get canned.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And you sure as hell don&#8217;t get tens of millions after being shown the door &#8220;because&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But this is exactly how it plays out in the NCAA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No sooner than you find a forum of seething college fans do you also find an aggrieved aficionado mentioning the dreaded buyout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You know, the the amount of money owed to a staff member because&#8230; yea, there&#8217;s no because.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Since 2014, over $1 BILLION has been owed to fired head football coaches.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-front-office-sports wp-block-embed-front-office-sports\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"TrXEMZjYL2\"><a href=\"https:\/\/frontofficesports.com\/college-football-buyouts-have-now-surpassed-1b-in-the-cfp-era\/\">Coaching Buyouts to Surpass $1B in College Football Playoff Era<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Coaching Buyouts to Surpass $1B in College Football Playoff Era&#8221; &#8212; Front Office Sports\" src=\"https:\/\/frontofficesports.com\/college-football-buyouts-have-now-surpassed-1b-in-the-cfp-era\/embed\/#?secret=v550EPynSa#?secret=TrXEMZjYL2\" data-secret=\"TrXEMZjYL2\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s patently absurd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But that&#8217;s not all.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because now you have college athletes getting paid through <a href=\"https:\/\/www.espn.com\/college-sports\/story\/_\/id\/41040485\/what-nil-college-sports-how-do-athlete-deals-work\">NIL<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take Arch Manning, a scion of the hailed Manning lineage, and nothing short of the second coming of Christ according to football sycophants.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"770\" src=\"https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=770%2C770&#038;ssl=1\" alt=\"\" class=\"wp-image-26531\" srcset=\"https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=370%2C370&amp;ssl=1 370w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=270%2C270&amp;ssl=1 270w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=570%2C570&amp;ssl=1 570w, https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?resize=740%2C740&amp;ssl=1 740w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">At least, that was before he actually <em>started<\/em> at quarterback.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since starting?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.reddit.com\/r\/CFB\/comments\/1nizeuy\/arch_manning_advanced_stats\/\">It ain&#8217;t good.<\/a><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Looking at Game on Paper they have data on Manning&#8217;s Expected Points Added. Basically, how many points he contributed or lost for his team based on down and distance every time he threw the ball.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This data has his aggregate passing EPA as -35 points, which is last among eligible QBs at #133. On a per play basis, he&#8217;s at -0.40 which is #130. So based on this, he actually has a case for being the lowest performing QB in the country with Texas losing nearly half an expected point every time he throws the ball.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Yet Manning had <a href=\"https:\/\/www.indystar.com\/story\/sports\/nfl\/colts\/2025\/08\/25\/arch-manning-richest-nil-athlete-6-8-million-texas-longhorns\/85637087007\/\">$6.8M in NIL money.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You know what?<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">If boosters and athletic directs aren&#8217;t smart enough to figure out how to write contracts with covenants then they should just pay these people with credit cards.<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Why?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because credit card chargebacks are <a href=\"https:\/\/reformingretail.com\/index.php\/2025\/08\/26\/chargebacks-vamp-and-racketeering-for-the-duopsony-part-1\/\">so damn easy. <\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">File it under reason codes 30 or 53, Services Not Provided or Merchandise Not Received, or Not As Described or Defective Merchandise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You work the right angle and you&#8217;ve got <a href=\"https:\/\/credit.com\/blog\/how-long-do-you-have-to-dispute-a-credit-card-charge#:~:text=A%20credit%20chargeback%20is%20a,particular%20circumstances%2C%20such%20as%20fraud.\">540 days to file a claim<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s almost 1.5 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Feels like you&#8217;ll know if your money will be better spent on hookers and blow once you&#8217;re that far in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, there&#8217;s a use for a credit card: protecting morons who can&#8217;t engineer a contract to save their lives.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There&#8217;s perhaps no line of work more ridiculous than college athletics. Think about it: if you suck at your job, what happens? You get canned. And you sure as hell don&#8217;t get tens of millions after being shown the door &#8220;because&#8221;. But this is exactly how it plays out in the NCAA. No sooner than [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[5],"tags":[],"class_list":["post-25708","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-solutions","post_format-post-format-image"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p81nA2-6GE","jetpack_featured_media_url":"https:\/\/i0.wp.com\/reformingretail.com\/wp-content\/uploads\/2025\/11\/Gemini_Generated_Image_5yk5lx5yk5lx5yk5.png?fit=1024%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/posts\/25708","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/comments?post=25708"}],"version-history":[{"count":3,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/posts\/25708\/revisions"}],"predecessor-version":[{"id":26532,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/posts\/25708\/revisions\/26532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/media\/26531"}],"wp:attachment":[{"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/media?parent=25708"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/categories?post=25708"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/reformingretail.com\/index.php\/wp-json\/wp\/v2\/tags?post=25708"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}