There are no actual laws preventing you from opening a bank account, it's really just bank employees not wanting to deal with foreigners with a language barrier. Just try a different bank, or get an agent to do it for you. Being able to use Thai ATMs and Thai banking apps to pay your bills etc with no cost is a convenience that is definitely worth the trouble, assuming you are going to be staying here for 5 years or more.
I did my driver's licence in Samui earlier this year and it took a lot longer than 2 hours. 4 hours of watching videos before you were allowed to take the written test, then come back the next day for the actual driving test.