@Klee *************
you may well see them as the same as cash., and they may well be the same as cash. However, what matters in the visa process is what the embassy requirements are for evidence of funds.
My point was, as a person who has successfully applied for, and helped others app,y for visas from the Thai embassy in London and the uk embassy in Thailand on many occasions, often what we regard as sufficient evidence isn’t seen that way by the people processing the application.
So you can be as adamant as you wish about the nature of your financial evidence but if it doesn’t meet their criteria, they will refuse your application on those grounds.
It’s their criteria that matter here, not yours.