Do you think scamming Thai people is hard? They have no common sense whatsoever and can't spell to security. They have their ATM-cards in their bags/purses together with the pin-code. If anyone calling them pretending to call from a bank, 99% of them will believe it. Of that I'm 100% sure.
I think you have misunderstood how agents are working. The only thing that's actually is not allowed when it comes to bank regulations is short term loans,those 800k in foreign accounts.The rest is not about falsifying anything, agents are paying immigration to be able to skip/circumvent some requirements that are not met.
My daily limit at Bangkok Bank via the app is 300,000 baht but ridiculously low via KBanks mobile bank.. But if using KBanks internet bank K BIZ, the limit is much higher.
Bangkok Bank is fed up with agents lending money short term,800k pops up in an account, then disappear after 2 months. I do believe this is the right thing to do, despite the inconvenience for some customers.