Can I open a bank account in Thailand on a DTV with insurance requirements?

The discussion revolves around the challenges of opening a Bangkok bank account under the Digital Tourist Visa (DTV), particularly when it involves subscribing to an insurance product. The insurance has a minimum term of three years at a cost of 57,000 baht per year, with a promise of majority return after three years. Many participants express skepticism regarding the value of such insurance and share alternative banking options or experiences. Questions arise about the conditions for obtaining the account and whether a long-term lease or property ownership is necessary.