No you need to get O visa and open Thai bank acct and deposit 800k thb for the first year retirement extension. 65 k thb per month only works for the second extension
A scam is a fraudulent scheme, often involving deception or trickery, typically to obtain money or personal information. A rip-off is a less formal term for being overcharged for something or having something taken advantage of, often implying a deceptive practice.