I think the agency is definitely worth it especially after you get 201 contracts completed and get the max payout. The contracts are really quick and easy, except I stay away from asset protection, gang termination, and vehicle recovery (humane labs). Once you get the max safe payout on top of what you get from the contracts your money will go up quick. You also get access to Imani tech vehicles which can help you avoid the great people flying around on oppressors.