it's a problem for me, as i am financially literate. But i do realize that is a distinct minority. And some people don't mind lining up at government offices to beg for bureaucratic services. Also a problem for me. But i have a fun life... also not for everyone
nobody is clamping down on agents. And for sure you don't need an agent. But if you are retired, you can probably afford one. Anyone placing 800k in a thai bank at less than 1% interest simply doesn't understand basic finance.