I know exactly what you are saying. The apply in home country rules are a real pain for people who travel. Especially ones who hardly ever fly like me.
so how exactly do you get a DTV or retirement visa with no bank account. It's literally a requirement. Do you hear how silly stating "law" sounds.... exactly which law would that be?
I'm sure many visitors in Thailand cannot survive without trans. Personally I use a hole in the wall service but it's 220 every time and sometimes it's twice a day. 😉