The only true way to determine who is the National Champion
History shows us that using both human and computer polls does not prove consenus. Even before the BCS, there were more than one occasion when teams split the title, even when they played each other during the season. We need finality.
Unfortunately, its all about money. A four or 8 team playoff system would generate even more cash for the NCAA and their members.
The concern about student athletes playing into late January is overblown. Fans that want to attend one or two more games will find a way to make it happen. The current Jan. 1 bowls would still get their paydays.
Those that have conference championship games would probably have to give them up to a playoff system.