It's pretty rare for rosters to be completed within a day of release. Extremely rare, except when the roster makers have gotten hold of early copies. Steelerfan may have lucked out that it seems most of the roster makers didn't get a chance for early copies this year.
NCAA also is slightly different from other titles (and genres) that the teenagers are probably naming rosters for their friends or something immature, rather than actually sitting down and using the correct names. They're also generally not members of the community (instead, you'd find them at GameFAQs, the EA forums, and the like).
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