I'm not sure you can pin that on Navy.
Why would the SEC schedule Navy over Chattanooga State?
I am assuming that most of the top drawer power 5 teams are looking for buy games, whereas Navy is looking for a home and home. It limits the pool quite a bit.
Now that Navy is in a conference, they basically have one OOC game to play with, because ND, Army and AF occupy 3 slots, and their conferences schedule is going to be 8 games. That's 11 games each year, already locked and loaded.