Just look at all the guys/gals that attend the academy and are out once their initial obligation is over.
If I had a recall list of every officer I've met who did their obligation and got the hell out because they wanted/needed free college via ROTC or the academy, I could probably fill the JO billets for the Seventh Fleet. That's including some of them had incredible billets they personally felt was more like tourism than Naval service.
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It would be unfitting to rag on someone who has to sit around doing quals for 3-5 years before they can think of doing ADOS or MOB (because the Navy Reserve likes to be unique for officers within the military), and depending on the community and timing maybe there's little to nothing available, or billets get cancelled. So you have someone 4+ years in looking for ADOS or MOB, in their mid-late 30s (because DCOs generally run older) with a thousand more concerns and responsibilities than your average 22 year-old, and can't get it. Instead, just indefinitely managing a reserve unit, taking care of all kinds of administrative matters throughout each week.
I think a good step forward is to front-load the qualification training. I get the Navy is trying to save money per FY or be employer-friendly, but Navy Reserve enlisted and other Reserve components and the National Guard don't seem to have a problem here. A possible solution, that would need some kinks worked out obviously, to the issue of too many officers and too few MOB opportunities is splitting some of those 12 month gigs in half.