While I agree, Thai pass has been yet another disastrous fail implementation. I never left so I don't have any skin in the game, but having common sense regarding proper vs improper whining situation should be a thing that people who have been here for a long time like you and I should understand.
Well, its their responsibility to find a reputable agent. For example, if your agent is not sending you the 90 days report slip confirmation after doing the report for you, red flag. If the agent is giving you options that other agents cant do, red flag. If price is too cheap, red flag. If your agent dont have an office listed on google that you can easily visit, red flag.
The people who have had issue have been using bad agent. Good agent work with immigration officer, everyone get their cut, and the stamps and everything are real. Agent can also do your 90 days report for a small fee. Something can be illegal but legit. For example, black market of lotto ticket in Thailand is illegal, but if you win, you get paid fully. Its illegal but not enforced, just like the use of agent. So there is no gray area, its illegal, but not enforced, and the process is legit.
The people who have had issue have been using bad agent. Good agent work with immigration officer, everyone get their cut, and the stamps and everything are real. Agent can also do your 90 days report for a small fee. The only mistake you are making is confusing legality with legitimacy. Something can be illegal but legit. For example, black market of lotto ticket in Thailand is illegal, but if you win, you get paid fully. Its illegal but not enforced, just like the use of agent. So there is no gray area, its illegal, but not enforced, and the process is legit..
There are many onward ticket websites that will buy a ticket for you for around 500 baht. This is what most people do to prevent getting refused flight. it's a very cheap solution that always work.
Anyways, if you take anything from this... please be cautious. I have a Thai wife, she is telling me to tell you to be cautious, so please be. Don't put yourself in a financial mess for a woman you have never met. Receiving money is very easy in Thailand, having issues is extremely uncommon. Do your own investigation or ask a friend who is good with technology to investigate for you. You are 19 years old from what others have said, and the woman looks much older and maybe even a ladyboy. Be very careful, that's all we are saying.