Try look at this product. Let's say you have 100 hotel rooms. It gives you 3000 potential bookings in 1 month. For each day no one books a room, you lose 100 "items" to sell. Maybe you will get more by selling it day by day, but the risk of losing it is much more likely. Therefore, predictability is key in such business.
, no, it is part of the deal with the booking portals that they get a discount to offer their customers. So if you are giving the same discount at the counter you are breaking the agreement with the booking portals.
, that is not how it works, sorry. The hotels get paid per booking, but online bookings are happening in advance and money is transferred directly to their bank account making things more easy and more predictable for the hotels.
It is normal that you get a discount by booking online. If they were giving the same price at the counter no one would book online. Online bookings are a great advantage for the hotels.
Getting a bank account might not be as easy as you think without a long-stay visa. Therefore, the one-year Non-OA visa might be the best option as a start. This will make it more easy to open a bank account.