paul sg, i agree with most things you say
i would argue that the money is there for clubs. outside auckland, the clubs are well cashed and better at raising funds than the franchises.
players will naturally gravitate towards successful clubs in either structure, but the real key to making sure the top players play in the top league, irrespective of the money being offered, is the appeal (standard) of the league, as was the case in the 70's and 80's. this is not the case now, many players are more interested in turning out for their clubs than what has become a player development league (outside auckland of course).