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the only way to have a playoff is by still using rankings. Who decides who's in the playoff? Basketball, which has even more teams, plays a 25-28 game schedule, and even then finding the top 64 teams creates controversy. And then they can play two games a week for three weeks. That's not possible in football, the most they can play is one game a week. so if you want a Final Four, instead of one weekend, it takes two weeks, and you'd need multiple stadiums, since, unlike basketball, the field of play is degraded by play.
So they pull it off in Div II, but there are only 35 Div II teams, much easier to sort than 119.
the only way to sort, in Div I, is with polls, it's what Div II and Div III do, they have selection committees. And then most teams would only get 8 games, instead of ten, and some would end up with 12. As it is now, there are 25 teams that can win a bowl game, 50 schools get to go to a bowl game with their fans. 100 other teams get a few extra games, for players to get better, to impress pro scouts and the fans. 95% of them will never play football again, why reduce the number of games they get?
plus, having answers wouldn't be any fun.
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