This was not my experience with ARIN at all. I requested resources as an individual (sole proprietor) and they were issued to me under my own name. The only requirement is that you have a justified use and $250 per year, which is the cost for 3X-Small allocation (/40 or less of IPv6, /24 of IPv4). As of this year it is also $50 to have an "org" created. This is not prohibitively difficult, though it might be prohibitively expensive for some.