Problem is, college football has changed in the last two decades. You are inaccurate on your analysis on a couple of points:
1. The playoffs won't be just as accessible to them. Keep in mind, I was responding to a poster's hypothetical scenario. He was proposing a playoff format with 8 teams, and 5 automatic bids for P5 champions. Under that scenario, Notre Dame would not have just as much access to the playoffs. They would only have access to 3 spots, as opposed to 4 now. Notre Dame would also be at a competitive disadvantage, because they would basically have to go 12-0/11-1 to make the playoffs. On the other hand, P5 schools could go 9-3/8-4, and still make the playoffs via conference championship. That would kill them in recruiting. P5 schools would be able to offer much greater access to the playoffs than Notre Dame. That would put Notre Dame on the level with mid major schools, rather than the P5 shcools.
2. Notre Dame doesn't have that much money. 20 years ago they did, because nobody had a TV deal like Notre Dame's NBC deal. That's no longer the case. All the P5 TV contracts pay out more than the NBC deal. Notre Dame also doesn't get money from the major bowls like the other conferences do. That's why many other schools have surpassed Notre Dame in facilities.
Again, keep in mind this is all based on the hypothetical scenario proposed by another poster. I addressed this in my previous post, which you obviously didn't read.