that will work if the embassy stops issuing the letter. Immigration will not accept the 65K monthly transfers into the bank if the embassy issues the letter, they will want the letter. This strategy would only work pre-emptively.
You didn't indicate what country you're applying from. Embassies in different countries have different rules and requirements. If thay want proof of funds in local currency for a specific amount, then that's your answer. Look for exactly what they want.
And you can only do it if your embasy doesn't issue the income letter. If your embassy issues the income letter you must use that. Immigration will not accept
I was in Jomtien Immigration about 2018. These tourists didn't have a TM30 and were in line to get one. The Immigration Officer had them get their landlord on the phone. It was a long conversation in Thai. After the phone call the Immigration Officer said it was the landlord's responsibility to file it and pay the fine. The tourists were given the option to pay it if they wanted. I don't know what happened after that.