I think clarification with facts is needed on a couple of points here.
First, the total number of hunters in the US has not risen markedly in over 40 years. The total number of hunters has been sitting at around an average of 15M for the last two decades, and actually peaked at around 17M hunters in the 80's. How many of us would say the 80's had better hunting opportunities than now?
Most.
As a percentage of the total population (as that grows), % of hunters has actually been in decline. So, saying we have more (or, too many) hunters isn't really a valid argument. Are there more total recreational users in the field than ever before, absolutely, but not more hunters.
Second, just because someone pays their application or preference point fees with a credit card online as SDHNTR said above, doesn't mean they are using money they don't have. I use a credit card exclusively for all of my purchases, and I don't need to. Making it a pain in the butt to apply or buy a preference point isn't the solution. Making hunting so expensive that normal folks can't apply or hunt isn't either, even though that would benefit me. I think anyone working a legit job who doesn't make very much money should still have an equal crack at hunting for their food or personal fulfilment. What if your 22 year old kid who loves hunting with a passion just graduated from college, in debt, teaches public school and lives check to check wants to apply? They shouldn't be able to because they need a little credit to get their lives started?
If we are looking at this issue as a supply and demand model....land development and constant use of habitat rich in wildlife, especially wintering grounds and spring calving/fawning grounds has impacted the "supply" of wildlife and hunting opportunities more than the total number of hunters has....which largely remains static.
Blame the social media folks all you want to for helping people to understand draw odds and how to apply. But, most of that content is driven by a reaction to the states in the West dramatically reducing their non-resident tag allocations to the point people have no choice but to enter the points game. Not just to draw premium units, but to be able to go hunting at all. There has been a massive shift in Res/Non-Res allocation ratios across the board. It's simply a way to increase revenue for those states without adding any additional pressure on their resources.
My suggestion would be to move to the state you want to hunt in the most if hunting is that important to you, because it's only going to get worse for anyone wanting to hunt out of state.