I think it's fine to have that opinion, but you directly cited Texas as if this is what they had done and they didn't. They had an incumbent pre-season Heisman candidate. And like you (correctly) suggested, DR's ability to come in and play immediately probably had a huge impact on his recruitment. The comparison should be to a university that recruited a D1-ready highly ranked QB but also brought in a Jr/Sr to start for a season, not Texas.
We also need to dispense with the idea that 'money will fix all your problems.' We all thought this fan base was getting milked dry before NIL, it's even worse now. Nebraska doesn't have endless coffers and it's just one factor in any kind of recruitment, and it doesn't guarantee success. They bought Casey Thompson and won four games.
I do get and appreciate your over-arching opinion, though. I too generally prefer QB's (whether it's in college or the NFL) to sit for a year or two before starting, but that's just not the reality anymore, and again we're probably not enjoying DR on the roster if they had tried to do that... but that's just my guess.