My answer to your question regarding how big is too big of an NIL for BYU is this: How big is too big for a home you live in? There are so many people out there who have no home. So how do you justify how large your home is?

How do your co-workers who have a hard time with this BYU NIL fund justify to others how big their home is and when it becomes too big? Or how about how luxurious their car is? Do their cars really need heated seats when others are walking to work?

You are falling into a hypothetical trap that has no clear answer. And your co-workers who are shocked at what is happening with private NIL funds for BYU sports could also be pointed at for living too large and too luxurious of a lifestyle compared to others.