Search ChatGPT for a no fee ATM card in your home country. Set up a Wise account just in case. And then use True Money as a "prepaid" digital debit card.

No problem. It was around $400. But they didn't do an outright rejection. It just stayed in pending status while I waited for the 2 extra months of bank statements. I've heard others having to reapply but that wasn't the case for me.

Yea, it was pretty easy honestly, but the thing that hung me up is you have to have $16,000 in your bank account for 3 months. I moved the money for one month and applied. They basically gave me an incomplete because you need 3 months in the SAME bank account. So I left my brokerage money there for 2 more months then updated my application and was approved 2 days later. I didn't have to reapply or pay the fee again.

I'm not a YT creator but I have Safetywing Essential Plan. I came down with Covid and they paid everything within a week. Claim process was so easy. Anyone getting denied, it's probably user error. I had to go back to the hospital to get the doctor's report, but that was the most difficult part. They paid hospital fees, medications, etc.