It's the tax avoidance of the rich that people should be venting their frustrations at. I just read an article which had HMRC., input and the fact that the extremely wealthy here in the UK hold back about £39 billion by banking their wealth in offshore accounts.
In 1981 I was working 12 hours a day, seven days a week and tax & NI taken from my weekly wages was around £120 every week. That was going to help the pensioners of those days and I never complained about supporting others through the money deducted from my salary. It's what happens in a decent society.
That is good enough reason to use an agent. I see people all the time saying why pay an agent. Well three reasons. One it saves you all the hassle of doing it. Two, as you suggest maybe he doesn't have or want to have 800k sat in a bank account with no interest. Three also that 800k with the new tax laws could be liable for 20% tax, 16,000 baht. Hypotheticaly if say you paid an agent say 25,000 a year, that works out at 68 baht a day, hardly going to break the bank.
The money I paid in for forty two years paid for the pensioners of the time I was paying into the system. In my work time you never heard anyone commenting that we were paying for pensioners of the time. It's only these days when all the uneducated morons in the media try to portray my pension as a benefit. I paid tax & NI to support the older retired at the time I was working and in those days, people had ethics, unlike today when people are just selfish self centred wankers.
I don't believe anything on FB either, like anyone saying Daily Mail readers telling me I'm a scrounger at 75 years of age and my state pension was bought and paid for in the tax & National Insurance I paid into the UK system for 42 years,
So what is stopping you opening another bank account while on your first year extension, depositing 800k in that bank account. Leave Thailand at the end of your first year extension, then re enter on a tourist, or visa exempt, go to immigration, get it changed to non O three month and then apply for an extension to this new visa with the other bank account you opened.?
with respect I think that is wrong. You say 1st year you must have 800k in your bank. Second year you have to have 12 consecutive deposits of 65k. If you don't touch the 800k you deposited for your first years extension, you wouldn't need to deposit 65k in your second year every month.