The barrier of entry has gone up from nearly nothing to signing up (and presumably paying for) your service. This is a significant increase, which will simnifically decrease BS applications.

This does nothing.

I'll just start a business that lends money to job applicants. Apply now, pay later (ANPL).

Well, presumably your business charges something to mail out job applications to companies? Like an application fee, that charge incurs a cost to applicant which will do something (presumably reduce applicant volume).

So www.postgrid.com?