re: Is the Playoff ruining CFB or is it a symptom of a bigger problem?

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To your point, the 3 and 4 seeds are a combined 4-8 in CFP semifinals.

In the 8 losses, they've been beaten by 39, 20, 38, 17, 31, 27, 11, and 35 points

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Blows my mind that people argue for an expanded playoff given this information.

I think the one way to make the regular season "matter" more in the current system is to move the semifinal games on campus where the higher seed hosts. There's no way the bowl games are going to allow that though.