@David *******
Not ALL immigration offices can issue in country 90 day Non-Immigrant type visas (there are several that can't).
They might be one that can't do it and that's why they're telling you to go get the 90 day Non-O visa from a consulate in Lao.
They are totally incorrect about you needing insurance to get an in country Non-O visa issued ๐
I would say take the 30 day extension,
get the 800K baht in a thai bank account in your name only
then go see if you can apply for the Non-O at the office that serves the area where you live.
IF you can't you will have to go to Vientiane (which requires you book an appt to get in the gate) or Savannakhet to get the 90 day Non-O visa