It is still important to warn OP that online scam is very predominant in Thailand. He might not know because he is American and has never been here. Most of these stories end up badly, so its worth mentionning.
If you take anything away from this and be more careful in the future then it's a good thing. If you don't listen then you will learn the hard way. Most people here are speaking from experience because they have been in your situation. Young, with self-esteem issues, cant wait to get out of their shithole city, etc. Then go on an online dating website and realize that, unlike American women, the success rate with Thai women is very high. A lot will chat with you, be very friendly and flirtatious. One thing that most dont realize at first is that most women on Thai dating website will only date foreigners. There are so many red flag and so few women who are there for the right reason.
You are not speaking from experience. Literally 90%+ of stories like this = the Thai woman have many online boyfriends. Facts don't care about the ethnicity of the person. If it's true it's true.
"I will" = in the future = I am right that you have not yet met her. I've been living in Thailand for a long time and I'm probably not that much older than you (im 35). I have had a lot of experience with online dating with thaifriendly, thailovelink, thaicupid, etc. Especially in a time like this, a lot of thai women need money and will use such website to have "many boyfriends" and fool them about the "true love". In no way are we saying that you are getting scam, we are simply stating fact that most stories like this end up badly.
I have a decent size YouTube Channel so I get no less than 50 emails like this a day. The one you described is very common. Whether it's transfer Wise, PayPal, YouTube, Sponsorship Deal, etc, they will ask you to click somewhere to open a pdf, a mobile app, to verify your account, etc, always with a sense of urgency. You do not need to change your password. They get your email from an online reseller who constructs database. 99% of the scam email I get goes directly to the spam so I never read them.
I don't know where your assumptions about Thai come from, but it's the polar opposite. Thai are pro debt, and not that often from the bank (if you know what I mean). They spend a lot more then what they earn.