The only person I've seen specifically say they lost their application fee was someone who applied through the e-visa system and the system read their passport and put the incorrect passport number and the person didn't catch it. A mistake on passport number is an immediate rejection and their application was cancelled.
If you are worried about the fee then go somewhere that still accepts in-person applications like Laos, Taipei or Yangon. They will just reject your application before you pay.
And yes, soft power is generally easier than workcation.
I said that immigration will ONLY accept embassy certified income for the first 1-year extension. No where did I say it's only accepted for the first year.
You cannot use monthly transfers to satisfy the requirement for the first year, but can use that for subsequent years if your embassy doesn't certify income.
For a retirement visa it's one or the other. But for most their only option is the proof of funds in a Thai bank account because immigration will only accept embassy certified income for the first year and many embassies no longer offer this.
no one is deported for not having a TM30. It's not even your responsibility. It's the property owner's responsibility. You can't be deported because your hotel didn't fill out a form