It's hard to make a rule that covers everyone in order to make up for a few tough cases. And, unfortunately, there are more tough cases than a lot of folks are willing to admit.
You live in an inner-city slum in the south. You're a minority. You go to a ****** public school. You only have one parent at home, and they're just barely around because they're working two jobs to make ends meet. You have this talent: you play damn good football. It's your ticket out of this slum, and it's the only way you can afford to go to a "good school."
Except the only good schools you get scholarship offers from are Minnesota, Wisconsin and Colorado. You realize that your mom will never get to see you play in person, because she can't afford to get to any games, and the rules don't allow anyone to help her out. But you make that sacrifice to get to your dreams.
Then January rolls around, and you realize that it's really, really ****ing cold. Cold like you've never experienced in your life. The rules say that your team can't give you coats, hats, gloves, etc - and, unfortunately, there's no way you could afford to buy any on your own. And, by the way, you can't get a job on the side to earn some money to buy that stuff...
Now, throw in the fact that you made a mistake in high school and got your girlfriend pregnant. She's essentially abandoned the kid, and you're doing the right thing and trying your best to raise him. Sure, the school can provide room in family housing for you and put you on a campus meal plan, but that meal plan can't cover your kid, and if you want your child to have a winter coat and gloves, let alone good meals that don't have the word "ramen" in them, you're going to have to figure out a way to do it without taking on a part-time job or accepting help from anyone that can even remotely be connected to the university.
Situations like that are a reality. They aren't the "norm," but they are more common than most realize. The NCAA doesn't do "exceptions" to their policies, so they have to set policies that can encompass all situations, and right now, their policies **** over a lot of kids. They either have to open up the can-of-worms that is making exceptions for particular situations, or adjust their policies in other ways to solve.