> why has no one made an app with the reverse incentive structure?
You've identified the problem but failed to adequately describe a solution.
The matchmakers need to make money, even to just pay for the costs of running the service.
A monthly subscription to use the service creates the perverse incentive to give bad matches. A one-time fee makes unsuccessful users feel cheated out of their money. A "pay us once you get married" option is ripe for abuse.
Even if the service is free and paid for by selling ads, you'd run into the same problem of the subscription model: They'd be incentivized to keep you perpetually single so you see more ads.
What I want to see is a dating service where I can pledge some money to some charity. Everybody on the site can check what I've pledged, and I can release it anytime. The service can take their cut, fine.
Now when I meet somebody through the service, and we think it's serious, we can release that money. And we can check whether the other did too!
Sure there will still be profiles with people that don't pledge, because they're just testing the waters, or poor, or scammers. Whatever. Point is I can send a signal that at some point I want to be done with the service, and then pay them for that.