This simply is not true in today's environment - if PSU simply hires an expensive coach, who brings nothing with him, it may be a lot more than a couple sacrificed seasons. In today's environment of Professionalized CFB with absolute, and unlimited, Free Agency, there is no guarantee that any coach is fielding a quality roster after 3 or 4 years of abject irrelevancy (or worse, especially considering the roster a new coach would have to play with next year if they bring no players with them). NIL players, and HS recruits, have zero interest in a "work in progress" when they can go play for a team that is a high-probability CFP team - take a look at how Florida State has made out with their coaching carousel....
CJF produced results that would have made the current Playoff structure a high-percentage of the time - he was fired. Now you're saying PSU should bring on a new coach, pay them $12 million a year with zero expectations for 2 or 3 years.... - so, if this new $12 million man has made zero progress in 2 years record-wise, PSU should give him several more years to see what happens..... and when the results still have not improved in the 3rd year (i.e., 4 years since PSU has been relevant in b1g and made the National Playoff), you do what precisely???
Your prescriptions do not fit the modern realities of the professionalization of CFB. If PSU was to do what you're propising, they should just name Terry Smith the new official Head Coach so he can work to lock-down the existing roster with remaining eligibility as well as the next, and 2027, Recruiting Classes (including NIL Transfers for next year)..... but this is not what PSU is doing. At this point, PSU has to go with a successful existing D1A coach who is willing to represent that they can bring players with them and have immediate success in turning the ship (i.e., even if they don't make playoff in first year, they will be relevant and have a significantly +.500 record).