Who came up with the idea that players "deserve" the right to freely move from school to school. Another ESPN liberal BS proposal. Don't change a thing. Eliminate the 6th potential. Just tough luck. No avoiding losing a year, regardless of reasons that include penalties based on school or coach transgressions.
If there is no penalty for transfers, you will see unprecedented poaching by football schools, including all of the SEC, Oklahoma and Texas schools, Oregon, etc. Strangely, I could see the BIGInterger schools not participating.