ahhh...that's what it is. TVC wouldn't help me with opening a bank account then also wouldn't help me with a retirement visa due to a similar issue of having reached their "quota". I was not actually trying to skirt the system in any way. I only needed help. I was happy to put in the proper deposits. Now, I understand what they meant by the quota. Thank you.
I don't recommend Singapore. I'm not sure how that would work out, because they don't actually stamp you. It should still work, but why take the chance.