They significantly changed the financials for the Non-O Retirement extension a few years back. They obviously don't care about "abuse," because there are dozens of agents, who advertise publicly, who facilitate skipping the financials entirely, with Immigration's cooperation.
You can thank Immigration 100% for the changes, whose only purpose was increasing the flow of money into their pockets via agents. This "blame our fellows" bit is like when the mafioso in the movie shoots the hostage and says, "See, look what you made me do."
And, again, knowing that Immigration works this way, and can change the "rules" at any time, is not "scare-mongering" - it is being prepared. If one can afford agent-money, it is very unlikely one needs to be "scared" at all. Even less so, if one is prepared to leave Thailand for somewhere else, if things change more dramatically.