Any system that makes it possible for an undefeated team to not win the championship is no better than gymnastics or figure skating.
Find me the team in the last 20 years (or more) that was undefeated and that wouldn’t have been included in the playoff Harbaugh is proposing or some similarly expanded playoff... You can’t.
The idea that everyone needs access is fair and accurate. The idea that the only (or best) way to accomplish that is to give the Sun Belt conference champion an auto bid is crazy talk.