Now is certainly the time to assess your own position should the financial requirements change for the worst, that's just sensible planning. My opinion, based on not a lot of hard evidence, bar history over the past 20 years, is that it is almost inevitable that the banking requirements will be increased at some point and, maybe changed so that the monthly amounts no longer count. History shows that Grandfather rights have been applied previously, but who knows this time. I think that people who use not quite legit agents should at least note a recent report ( reported by Integrity Legal on U Tube) that retrospective checks on bank accounts may be enforced in some cases to check past compliance. Its certainly in Big Jokes Play Book.