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Student-athletes today face a growing safety crisis fueled by two converging forces: the rise of NIL monetization and the rapid expansion of legalized sports betting. While NIL has empowered athletes to build personal brands and capitalize financially, it has also dramatically increased their public exposure and corresponding vulnerability to harassment, coercion, and physical threats. At the same time, prop betting markets have incentivized direct harassment tied to individual performance, creating real-time pressure on student-athletes. Despite some NCAA initiatives and limited legislative responses, meaningful protections remain incomplete and dangerously inadequate.