I can see him not working with the payee. Payee agencies requires a contract with the beneficiary and I can see him refusing to sign it. I told him, not sign anything without checking with lawyer if you don't understand it.

He considered moving to Ecuador for two reasons. Cheaper living cost & payee would not be required. There would be no payee agencies. He could also start fresh without worrying about his credit.

I also told him other option.
If he is 65. He could stay In the U.S. waive his SSDI & get SSI without being disabled. This way he can be his own payee. I told him to get the Direct express card or its replacement. He might be better off waving his SSDI, when he is 65.

In fact, He is the only one I trust with my estate, which is not much at all.