My guess is after all the craziness passes. college tuition will reduce to reflect economic times and schools endowments will have shrunk dramatically.

The combination of these factors will not give a coach the luxury of having bigger budgets and expended rosters. For those wishing to play additional year it will likely migrate to the coach saying if you want to play the additional year thats fine but its on you financially. Also, there will be a big divergence in the schools who are programmed to win a national championship versus the reamonde who have no chance.

The National championship type schools will have a greater propensity to keep whoever is best and the rest will have more balance towards underclass and recruits with less 5th year players. I think the schools will operate based on their mission and reason for having a programs versus win at all costs. More 5th year players will trend towards the typical national championship contenders and less who have programs that are more geared with having programs to balance out their athletic offerings and student athlete profiles.