@Stephan **********
Everywhere in the world a couple is considered to need less money than two singles, that is not different in Thailand.
I remain saying 400K is not blocked as long as you have the monthly income of 65K transferred.
DTV is asking for safety, in fact they check if you have an income from outside, and I think they will change the formal requirements, because now it is very heavily misused.
The current requirements are meant to show you have enough income and money outside Thailand.
But from the questions I see and what you also suggest a lot of people only arrange the money on paper for this visa and find a reason to apply.
Every wellthinking being can understand that is not the way it is meant.
Visa requirements are made by a country to select the type of people they want to welcome in the country.
I do not say that somebody retired with less than 65K foreign income cannot survival, but they are not welcomed by the country.