Army and BYU figured it out.
Army built a schedule just so they can play Air Force (which is playing a two game schedule against Army and Navy) and Navy. They just lost one game against BYU to COVID leaving them with 10. Coach Monken has said he expects to lose more. Of those still on the schedule, they have 3 FCS teams, 2 from the Sun Belt and 2 from CUSA. It really is a joke.
As for BYU, not only did they cancel this week's Army game, but they just added (scheduling on the fly) La Tech for October. Even so, they only have 8 games, including 3 CUSA, 2 Sun Belt and an FCS. If they beat Houston, they will go undefeated and no one will care.
Should we have tried like Army to build a schedule primarily of CUSA, Sun Belt and southern FCS schools - particularly when those states experienced a major case boom at the very time that we would have been trying to throw together a completely new schedule? Based on what was known at the time cancelling the season was the right decision and based on what is known now it still is. If everything goes perfectly from here on out people will waste brain cells arguing over whether we should have done something different, but that doesn't change the situation at the time a decision was made.