That is exactly my point. Your boy has his squad so far down that they are dogs to a perennial doormat. And you are calling it an "upset" win if UND happens to pull it out.
Also, "the money" (whatever the heck that means) has nothing to do with the game line. Its a mathematical formula, that in this case shows how poor UND is right now. Linesmakers know nothing about these teams other than their points for and points against, etc.