Once you start using an agent to fake the money in bank, you can’t go back.
Mind you, I didn’t say anything about letting an agent do the paperwork. I wouldn’t pay for that but some ppl just can’t do it, so they need to pay for it.
But getting around the requirements by letting an agent bribe the officer is just dumb. There will be no record of your money anywhere (the immigration takes the bank statements for a reason).