It might be a contributing factor, but THIS is the reason it has become more difficult.
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"In April 2025, Thailand made a bold regulatory move by passing the Royal Decree on Measures for the Prevention and Suppression of Technology Crimes (No. 2) B.E. 2568 (2025). Supported by the Bank of Thailand (BOT), this legislation holds financial institutions accountable for failing to prevent fraud—even in cases where the victim seemingly authorized the transaction under false pretenses."
Thai banks are no longer willing to take ANY risk at all, as they are now liable for any fraud. It all comes down to them not wanting to lose a single cent.