"having money/networks of people with money would give people an advantage in the world" is the status quo! I've worked in tech hiring for years and have seen and tried all kinds of ideas to fix that problem. With the status quo as bad as it is, we should be more willing to give radical ideas a shot; clearly the conventional ideas are not working. Is this idea a bit crazy? Sure! Do I think its odds of succeeding are well under 50%? Yup! But is it ok to kill these ideas before they even have a chance to prove themselves? No; in fact I would argue on net it's incredibly harmful, and that the people who claim to care the most about fixing this problem are causing harm by killing fledgling ideas that could plausibly help.

To your 1): I think it's at least plausible that this would become common; many crazier-sounding ideas have succeeded. There's a big disconnect between talent identification/development industries and hirers, and something like this could help to bridge that gap.

To your 2): Trust me, I have done all of that. It helps, but it is far from a panacea. That is the conventional shit that has resulted in the tech industry barely making a dent in its diversity numbers for well over a decade now. There are so many people for whom I would have so much rather just invested money in them getting a job immediately than spend yet another hour walking through their latest interview experience and explaining why something innocuous they said or did was probably incorrectly treated as a red flag by their interviewer.