Think of SH like insurance. Players come with various risk levels for academic trouble. Most students will be fine without SH, especially after freshman season. But they all come with some level of risk, ranging from minuscule (for good students with decent work ethic) to moderate (for dumb, lazy freshmen). You can go without insurance, and you’ll be fine - until you’re not. If you don’t like that risk, choose the policy that’s right for you.