There are rules or policies in place for almost everything we do. Whether a workplace or a student in college, you go there with an understanding of what these "rules" are. That is your choice, don't like them, don't accept them and don't go. Student athletes receive benefits that other students don't. I'm talking about school sponsored benefits like nutrition and workout facilities, television exposure to display your talents (for moving on to the next level), etc. Nobody makes an athlete go to a particular school. If the rules state that you can't transfer anytime you want, and you don't like that stipulation, then don't accept the offer to go there.
Conceptually, I don’t disagree with anything you say.
However, I see two real-world problems. First, if a school puts all that in its NIL contracts, they’ll never sign a player.
Second, absent Congressional action or a specific legal construct, a bunch of schools getting together with common contractual provisions is going to get struck down on grounds of anti-trust or collusion — which is exactly why the NCAA no longer exists as a rule-making entity.
I don’t like the current chaos. But the days of saying, “These are the rules. Take it or leave it,” are as gone as the T-Rex.
Whatever the solution is, has to stand up in court. I don’t know of any that would solve the problem and hold up to legal challenge outside of Congress or a CBA.