I am one of them. Not because I do not have 800k to move here, rather I see the 800k as a waste of money, and nothing more than a donation to a Thai bank. I've posted the numbers before, and it's actually financially beneficial for me to keep the 800k invested in my home country, which more than pays for the agent. However, that's not the main reason I use an agent. The main reason is I'm not moving 800k to 3rd world country. I have nothing I can't leave behind and head straight to the airport should I want to or need to. They may stop the use of agents in the future. The world is changing. Previously privileged people from western countries are no longer so privileged. The purchasing power of their money has gone way down in recent year. I posted of another option they have, and that is, the retirement visa is for 50 to say 75 years of age, after that, go home. Thailand gets you in when you have money to spend, and are capable of spending it, then you go home.