So what if people get killed!
The idea is to fix the problem that the OP was talking about. I'd argue that a user that starts at low D3 and gets slaughtered will be more
likely to burn out and quit after one season than the one that starts at D1.
I'll play devil's advocate and go further than I did at first and clarify. Why not: $50 you can take over any D1 team you like or you can work your way up from low D1 for $25, DII for $15 or DIII for $12 ($4.95 for the 1st season without FSS). As long as a disclaimer is provided that each higher level carries with it a substantial risk of firing for non-performance, then so be it.
After that (and independently of that argument), actually increase the chances of being fired at Big 6 schools and create some sort of bonus incentive structure that makes more coaches want to coach at the D1 level. Somehow coaches need to better incentives to move up, rather than stay at D3.