3 thoughts about programs qualifying:
1) A lot of teams would do their best to avoid any competition during the regular season. Who would want to play "independent" teams like Cathedral, Center Grove or Carmel? MIC and HCC schools already have a difficult schedule. On top of that, how many teams would want to bail their conference?
2) Programs would have to pick between money and increasing their odds to make the playoffs. If I'm Columbus North, I can schedule Perry Meridian or Cathedral. One gives me better odds to make the playoffs, but it cost our school money. This also goes for struggling programs that actually need the money.
3) What happens to teams like Zionsville the past two years? I assume 4 win teams won't make the cut.
Keep everything the way it is. Water will find it's level one way or another.