government will never give all thais 10k . People don't realise use agent first year they need use for 2nd year. 12 months bank statements needed and the 800k needs be seasoned. Not just in out 5 mins.
Pay 40k to an agent if meet criteria is crazy. That's year health insurance paid by doing yourself if meet criteria. 800k in bank first year then transfer 65k baht every month for 2nd year. Then empty bank. Simple. How many horror stories heard about dodgy agencies not providing service then keeping passports?
Doing visa yourself is easy if meet criteria. Don't meet criteria then up to you.