The application fee (also called "official fee") can be reduced or exempted, and you can find a local street office to open a certificate for insurance reasons; In fact, it doesn't matter if you don't submit the certificate. Anyone who applies for a patent can apply for relief. I specifically confirmed this to a minister in the Patent Office. (Note: The company must provide proof if it wants to reduce fees)
In principle, the agency fees cannot be reduced. They are profit-oriented companies and have no obligation to reduce expenses for you. You can explain the situation to the agent and see if they can make an exception and reduce the price for you.