/apply should be something better than a 401 if not logged in

[mattbk]

Instead of an error code, there should be some helpful information here that encourages people to keep going.

[mattbk]

Noticing some more things I don't like as I go through this.

Currently:

1. Access /apply. See error 400, asks me to log in (not sign up).
2. Sign up, redirect back to /apply. See another error--why are you yelling at me?
   
3. Follow the link at the top of the screen (not near the error message) to add an email address. Get sent an email, open, confirm. Sweet, heading back to /apply...
4. WTF, another error?
   
5. This one has no link to anywhere, so I go looking through my account. Aha, under "Payments," which may or may not be confusing. Choose the email I already added.
6. Head back to /apply one more time. Success! Here's a form I haven't even seen up to this point.

[mattbk]

I've been reading a little about onboarding this weekend. To make this easier:
One option

• Embed the email address and PayPal address into the form itself, if the user does not have them set up already.

Another option

• Move the email and PayPal requirements to after the form submission. If you click "Apply" or "Fund my Project" or whatever, you should get straight to the form.
• Once the form has been submitted, you get this:
  
  On this page, show and link to the next steps ("to complete your application...") or somehow embed them into the page itself:
  • Add and verify and email address
  • Add a PayPal account
• Ideally this option would have a progress bar of sorts in order to let people know where they are.
• Automatic followup emails would be essential for this option.

One more thing I noticed:

• Admins shouldn't be allowed to change the status of a project to "approved" if PayPal or email are missing. This adds another set of eyeballs on things even if the project is approved in the review queue--then we can reach out and let the project owner know.

[mattbk]

We may end up with more junk projects coming in that never get approved, but simplifying this process might make people a lot happier.