The National Collegiate Athletic Association is playing tough guy again. It suspended Ohio State football player Chase Young for taking and repaying a loan (under $800) so his girlfriend could see him play in the 2019 Rose Bowl.The NCAA calls this an “impermissible benefit.” Was it?The NCAA collects billions from its long-term television deals, yet its approach to eligibility is an unregulated labyrinth of rules and arbitrary enforcement. There are many proposals for reform, but effective change needs to …