"Three: I have no idea why Apple outsources their corporate check to Dun & Bradstreet. If you are a corporation (which I submitted under), this adds weeks to your first getting your app even reviewed. As a giant corporation, Apple should not stand for making developers wait weeks just to have their identities verified before having their app reviewed."
Maybe if you're a corporation working on an app for months, you could get a DUNS number proactively instead of trying to save $15 by waiting until the last minute.
It's not so much "waiting until the last minute" as it is "not finding out until the last minute". People should do their research, but on the other hand there's almost no precedent for this sort of thing (you wouldn't expect to need a DUNS number for signing up for Facebook) and people have no reason to think of checking for something like that.
Maybe if you're a corporation working on an app for months, you could get a DUNS number proactively instead of trying to save $15 by waiting until the last minute.