What should condo/property owners in Thailand do if their bank account is frozen due to lack of a valid long-term visa?

I knew this and thought of this long time ago. Nowadays, maybe since years? I feel that my money is not my money any more. To be honest, this is not only in Thailand to happen but also everywhere. People who have enough savings to retire would live in fear of their banks to freeze their accounts. You buy big shopping in a shopping mall or have a big dinner in a restaurant or in a bar etc, and suddenly your card does not work nor your bank account all stop. So how can you pay for that?? Well, you always must carry considerable cash or other methods to pay for that. Otherwise, you will get a big trouble. In Thailand of course. maybe thai people will beat you up or detain you until you pay. still cash is working well in most of places. But when the cashless payment comes into reality when the cash is not accepted in many places? You must totally depend on banks. Banks have your life. They can do to you whatever they want on the hostage of your money. For such cases, you probably need more banks accounts as possible to reduce your life risks. 2 is better than only one. so the more, the better. But what about the fees of the banks? All banks take fees from you. Your expense will increase too. There will be so many troubles and life harder due to the banks or the government. your money is no more your money. The banks and government make your life harder so seem to want you to give up and keep your money forever. Yes I have overstated. But, this happened and happens and will happen soon.. I have feeling like this since long time.