@Dan ****
the "score" is
You're confusing the two times you're likely to be asked for proof of funds.
One time is at the thai consulate when you are getting a visa. If you are asked for proof of funds for the visa you're getting you show a bank statement you CANNOT show cash.
Another time is when you're stamping in to the country at passport control. If you are asked for proof of funds then you show cash (20K baht or the equivalent) you CANNOT show banked money.