At Lipscomb the other day, I played against a familiar face. Brian French, whom I had recruited while at D3 Wisconsin Stout, transferred after I left (was cut? Or maybe succeeding coach didn't honor promises? I don't know circumstances.) He ended up at D1 Loyola Chicago.
He fell through the cracks to me, as a rare D1 projected player in South Dakota, and with a fairly empty part of that world, no one challenged for him. I'm not a noob, and he's no star - he's a serviceable D3 big, but would be a D1 or D2 scrub for humans. That kind of player is widely available to any new player, and it takes little imagination and initiative to figure out how. Capping the levels means he's stuck on Sim teams, no use to anyone. Meanwhile, the big fish in D3 benefit, relatively speaking, from a smaller pool, because their advantage in battles for the *useful* D2-3 players, a number nowhere near even 500, much less 2500, is exaggerated with a smaller pool. That's how maths and disbursement works. Lower supply, more demand, advantage resources and status.