As in, can we find one? I am not harsh on HJ, and I do not feel we should be. The Portal seems like the easy fix, but it is not proving to be. Do we have a stable of good QB's for the future, or does that need to improve from recruiting out of high school?
Here's the problem that I have with your critique; it's way too simplistic and it's based off a roughly 3 year sample size for what this era looks like:
We've gotten 3 of the most highly coveted transfer QBs in the last 3 years when you consider HJ, Ramsey, and Hilinski.
Obviously, 1 of those was a home run, 1 hasn't worked, and the jury is out on the 3rd as of yet.
There will be times where we have a clear cut 3 or 4 year starter that gets the reins early and gives us clarity for a long period of time.
But there will also be times where we cycle through QBs like one and dones and they're going to be very hit or miss depending on how good they are and whether they can pick up the playbook fast and fit into how our offense works.
It feels like every program is going through the same progression cycle and it's very hard to find the "next 3-4 year guy" to bridge a longer term.
Just look across college football; even just look at the Big Ten and look at the level of offensive play these past 2-3 years. It's much more uneven and much more hit or miss.
Finally to your last question, due to the very nature of the new transfer (free agent) kind of system, it's going to be very hard to stockpile a stable of good QBs for the future. If you have a guy on the roster that can be a Big Ten starter and he's not playing... then he'll go somewhere else to be a Big Ten starter.
Most programs will only ever be able to hold one quality QB starter at a time if that. And that makes it very hard to transition to the next guy or to have depth at that position in particular.
Even programs like Clemson and Ohio State are seeing that in real time.