this has been a silly criteria from my pov. The vast majority of Americans do not have pensions since the 80’s! They have 401k and/or social security which neither are considered ‘pension’.
I think you essentially answered your own question.
Admittedly some details are a bit of effort or a little difficult to understand. Example my very first visa application was rejected because my name on the application did not appear the same as my passport. Granted, it did not state ‘as it appears on your passport’ but none the less was a gotcha.
I see two sides.
If a person has the resources and eliminate the headache, why not pay someone to do the legwork.
The second side is trust. Is the agent honest, does things legally? You will provide your sensitive information to a third party, make sure they’re legit.