Thai banks have withdrawn all non-citizen access esp if you have DTV. They are closing down all bank accounts of DTV's. the only exemption seems to be if you have a retirement visa or a visa that requires you to deposit money in a Thai bank.
Def not AML - nearly every country across Europe offers a debit card on a pre charge/load basis and check what you expect to spend and have caps. Thats how AML works, I've worked in finance for years. its not rocket science.
Just set clear limits : rent, food, etc outgoings and then check income. if payments don't clear they'll reject and that's your problem. Granted the cant probably assign that to credit worthiness...
I did the DTV visa as I thought it would be easier, which it was - originally, I was going to get a standard retirement visa, which needs a Thai bank account for you to deposit money.
I have WISE and can use that and Starling offer very low rates to use contactless. its not the end of the world, but would be handy - wonder if you can apply for a retirement visa and have a DTV running - I guess not.. I dont mind paying an agency to help