That makes no sense. Everywhere I've traveled it's based on the test time. Your intuition is right ..and logical. Hopefully you get the benefit of the confusing wording
The only people I see not wearing masks are farangs.. Not all of them but a few.. And they stick out like a sore thumb. This creates a feeling of resentment against all farangs. You may laugh at the mask requirements but please comply.. It's a very small inconvenience.
Yes we had that unfortunate experience where the bank wouldn't certify this came from foreign sources even though I showed them my wise transactions which clearly showed it was taken from a US bank. Bangkok Bank was very inflexible even though I showed them proof. When I contacted wise back 2 years ago they said to use a wire transfer because they use local banks to complete transfers