It’s way more than “if you actually met 100% of the requirements they couldn’t afford you”
The reason they couldn’t afford you is that if you meet 100% of the requirements, you’re ready for the next position up.
Career strategy 101: The most valuable employees are always learning. Every company wants employees who won’t stagnate, i.e. sit in one role doing the same thing ever year and continue getting annual raises. A company wants to hire you for one thing at one salary, and then move you up through higher positions over the years, i.e. they keep getting new benefits for the additional money they’re spending on you.
A good company will offer you development opportunities, either within your role or in addition to it. So when the company interviews you, they want to see that you can learn what they need, and you want to see that they can teach you new skills. Companies know that the best applicants are interviewing them in return and that if they don’t offer development, they will lose those applicants to better jobs.
Companies structure positions this way intentionally and they assume you know it.
So not only should you apply to jobs you aren’t 100% qualified for, you can use 100% qualification as an indicator that you’re overqualified and should look for the next job up.
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