Of course you can, as long you don't try to compare apples and oranges.
In the NFL, the reality is most schedules are pretty dang comparable, because the teams are, generally speaking, pretty dang comparable. CFB is far different in that regard, and anyone with a brain knows that half (or more) of the SEC would have gone undefeated with UCF's schedule.
So yah, I can absolutely make the argument that they don't deserve to be there while making the argument that any playoff allowing a 9-7 team is a farce - two different situations...
In other news, did you see that Texas canceled their upcoming 2022/2023 series with UCF in order to schedule it with us?