I walked into the bank and opened an account on a visa exemption.
No end of people telling me it wasn’t possible because they had been rejected and didn’t do their research and that I would have to get insurance, an agent etc etc.
I have learned not to listen to what other people say here over the years 🤷♂️
One advantage could be that you can be in the specified country you’re applying in and not necessarily have to visit the embassy city. For example, hang out in Bali while you wait rather than Jakarta :)