Why can't Hawaii play for national championship??

Why try to go undefeated if you will never have a chance to play for national championship? It would not be so hard to have a play-off system simply by using the winner of each of the 11 conferences which would only add 2 more games before the BCS game. Do they really need 45 days between the end of the season and the title game? Make winning your conference actually mean something! Make going undefeated actually mean something! We know the lower college divisions have playoffs and it sure seems to work for them! Division 1 football is the only college sport that doesn't have a playoff so basically if you aren't ranked high at the beginning of the season, you might as well not even play at all. Hawaii, Boise State and others have been screwed and it isn't fair to them or the sport and I don't like either team so Im not biased. It is sadly all about money and TV ratings. Even college basketball starts out with 64 teams and some no one has heard of but at least they had a chance