Memphis getting rolled vs NC State- Did they have opt outs as well?

I heard on Memphis sports radio some guys didn't dress others were in pads but chose not to play..I'm guessing free trip with bowl money and gifts is why they went...what should happen is if you play you get paid by the bowls in addition to nil, if your the game MVP you get extra $ also unless you going into the draft your nil should require you to play or pay $ back