1. Yes, there are high school kids drawing NIL money. There are also some attractive female athletes (e.g. gymnasts) doing *very* well.
2. 15% also has to cover the costs of fundraising. Keep in mind also that, for a business, the extra administrative cost (1099s, etc.) of hiring someone are small; but for a collective, all of that infrastructure has to be established.
3. NIL was never intended to be a tool to get players to come to or at stay at a school. It is supposed to be a way for them to be compensated for the commercial value created by their images, etc. But the NCAA doesn't enforce its rules against booster involvement for fear of being sued yet again. Congress needs to intervene, but seems stalemated on what to do.