It is amusing, but ultimately they're all approved by MFA through the embassies. They should have an annual "review" to ensure the conditions are still being met
It was rumoured about two years ago the lump sum for retirement visas would rise to 1 Millon baht or 85,000 baht per month. I wish it would. Easily affordable for most, but would start squeezing out the cheap charlies.
I really can't get too philosophical about an hour out of my day. I know there are petrified little expats who scamper like frightened little mice to agents every year, hand over anything between 10,000 and 25,000 to save that one hour. I find it amusing. I'm fortunate. I invested way over my head in Sydney real estate in the late 70's, early 80's and struggled for 4-5 years to balance everything. Now I have a property portfolio worth $7 million and a weekly income of $12,000+. I don't lift a finger to work, what's the point? Sitting at home looking at my view along the Chao Phraya River is satisfying, but I can take an hour off to earn myself 15,000 baht tax free and to have the pleasure of knowing I'm not being scammed
I followed Rob's advice and did it earlier this year, so I think you'll find it's still an option. The 65k transfers simply replaced the embassy affidavit. You just need to show minimum 12 months