I fully agree that you shouldn't be able to play for a title if you don't win your own conference championship. Why not go with just conference champions? SEC, Big 10, ACC, PAC 12, Big 12, AAC, Mountain West, Sun Belt/Conference USA/MAC? The main driver that I like about putting the playoff appearance on conference championships is that it opens up better non-conference matchups. As it is now, very few teams want to schedule ranked opponents early since one loss can submarine your chances. If all that matters to get to the playoff is to win your conference, non-conference losses don't matter.