Just be careful. I know some people who got their SCB accounts with a work permit, and then when SCB found out they stopped working, they closed the account.
No, you're not paying for the visa. You are paying for the processing of the visa. Whether it's approved or not, they keep your money. No refunds. Just like everywhere in the world.
One is through a soft power activity in Thailand (Muay Thai, Thai Cooking, Medical treatment, etc).
The other is workcation, which means you are a full time remote worker and your company has specifically given you permission, in writing, to work in Thailand.