Financially speaking Miami can't afford to pay a top coach. As it stands actually Randy Shannon makes only a little more than FSU DC Mark Stoops and only earns one half the salary of (non-BCS) TCU's Gary Patterson. Not only that but Miami can't afford to pay their assistants what other schools can to get top assistants, which is needed to compete at the highest level. Whereas Notre Dame has more money than they know what to do with and can afford to pay both a top flight coach and staff. Problem here has been after they were jilted by Urban Meyer their evaluation of coaching hires has been abysmal at best.
Both have seen their once dominant recruiting tactics fizzle in recent years. Due to Rivals and Youtube Miami doesn't have the advantage of finding largely unseen talents in Dade/Broward counties. Similarly Notre Dame doesn't have their television exclusivity to really pitch as now every BCS level team plays almost every game on television, with again the internet providing the ability to even see out of region games.
As for the academics, neither school seems willing to admit the questionable kids you need to win an MNC. Instead they go after kids who have the grades but as we've seen these kids aren't the ones you need to win at a high level. Something will eventually need to give at one of these schools to be allowed more discretion in recruiting.
So what is your take on this? IMHO because of the money involved Notre Dame will do so before Miami.

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