Nathan Bonds’ breaking point came after 19 months of unemployment, 23 interviews, and 200 applications. His résumé had been rejected by a string of minimum wage jobs—including the local L.L. Bean and J. Crew outlets—and Bonds, who lives in Cranston, R.I., was scraping by on temporary construction work. By the time a friend offered him a $10-an-hour delivery gig, he could barely afford rent—much less the fees needed to update his license.

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