well something is amiss. Either your work situation or your funding situation. Better hope it's the above, otherwise you'll be rejected again. Good luck.
exactly this! They're not so much concerned about how much income is coming in. They require concrete evidence that the visa applicant is engaged in legitimate business outside of Thailand.
That is either proof of employment, proof of offshore company/business ownership and/or contracts/agreements with an offshore client base.
once you are in Thailand, you can look for visa agent companies. Most of those can help with opening a Thai bank account.
It is possible to get a bank account by yourself, but apparently it is not so easy. Getting help to open account is not necessarily 'dodgy' at all. In many countries these days, banks are nervous about newcomers, because of the fear of being involved with money laundering, or similar. An agent that the bank knows and trusts can help greatly with the process.