If you can't meet the financial requirements for Non O then you could just pay an agent to do it for you. No need to transfer money. Many people use this option. Just do a little research first, cost anywhere from 25k to 45k depending where you are and who you use.Hope this helps.
Sometimes the info well intentioned people give you here is out of date, mixed up,misunderstood or just plain wrong . There's a ton of experts here 😆 Better to double check any info saves time and effort later. Google really is your friend.