I would recommend keeping it in Wise if possible and moving only living costs to your Thai bank account as needed month to month in case it gets frozen. Also keep some cash under the mattress. 👍
If you have problems with VPNs they check the time zone from the browser information so change the time zone to whatever time zone you claim to be in over VPN. Mullvad browser will block time zone information if you browse using that but sometimes they block logins because VPN IP’s WHOIS as a data center IP not residential or mobile. For a more advanced setup residential proxies are much better but the setup to use them is far greater than a done for you VPN client.
Get a quote from Luma Travel or expat insurance. Prices vary by age but they are a regional insurer so many facilities are familiar with them and at least on their travel insurance plans they say they direct pay anything over $1k USD.
Anonymous participant 535 I’m wondering if they check it the first time you enter. It’s completely unreasonable to require you to have it always available for the course of 5 years.