I think the #1 problem for the fans is the lack of interesting games. Each team plays maybe 2-3 interesting games per year, the rest are mismatches. There is zero motivation to play meaningful non-conference games and the ones that are played are at neutral sites. With bowl games, the problem is that formerly top-tier bowl games are now a consolation prize for missing the playoff and they have lost their luster. So maybe those games do need to become a play-in for the final playoff spot or something. The other part of me is kind of like...well the student athletes would not benefit at all from a more complicated playoff system and considering how much money college football is making right now, there's really no reason for them to do anything.