Every dumb little thing is an NCAA violation
You are correct.
And you know why...as a general matter?
It's because every "little thing" at a smaller, honest school, if not prohibited, turns into loophole Alabama, or Kentucky, or whomever, can drive a truck through.
Here's a true NCAA violation story: a tiny historically-black college in Florida has a football team. Low, low division but, still, a team. So, coach offers a scholarship to a young man in the middle of nowhere Alabama. Dirt poor, like suitcase is a cardboard box poor. First in his family, ever, to have the chance at college. Ever. This is a very very big deal for the young man and family. So, he arrives by bus at the school. The coach -- who is about ready to kill himself over this -- has some very bad news. He has miscalculated his numbers. There is no scholarship to give.
So, while school is trying to figure out what it can do, the cheerleaders and some local fans jump into action. They charge around and start running a bake sale. They make cookies, cupcakes, print up some t-shirts, sell them on the sidewalk...just to raise a few grand so this kid can enroll in school.
The NCAA comes down on them like a ton of fucking bricks.
I still find it inexcusable (leaving aside how they ignore the terrible, bad, unethical, straight out cheating that goes on at the big outfits), but the NCAA's reasoning was, basically, "If we let this go, then you're going to find Auburn boosters running silent auctions of golf trips to Pinehurst to pay tuition for some 4 Star recruit who would be a great addition to the team even though we have no more scholarships."
As far as I'm concerned, the whole system is broken.