No they don't. I literally got my 1 year extension a few days ago. NO BANK ACCOUNT. So you're the one talking bs. Now, I acknowledge that there might be exceptions. But the general rule is proof of income OR bank account. Not both.
You don't need 800.000 baht in a bank account to get one year extension on a non-o retirement visa. All you need is proof of at least 65.000 baht income every month. I just got my extension and don't even have a bank account in Thailand.
A prenup is ALWAYS a good idea, in ANY marriage! Take it from someone who has learned the hard way! Last marriage took 11 years to pay off HER dept! 🤦🙄 My point is; This is not a race or ethnicity thing, it's a legally binding thing 😉