It depends also how long time you stay in total on each stay. If you maximise two visa exemptions in a row and stay for 180 days, you might get a way with a third buy at one point it also becomes a gamble.
Yes, but no one can tell how many times you can do it this way as everything is in the discretion of the IO you’re standing in front of. At one point you’ll be pulled aside and told to get a proper visa.
If you have income/pension and can meet the required 65K baht a month you can switch to the income method and free the 800K baht you have in your bank.
if you are a citizen among the 93 countries entitled to visa exemption, you can enter on a 60 days visa exemption, do a 30 days local extension, leave and re-enter on another visa exemption, but you can’t live in Thailand on this basis.
If you want to stay for two years you can apply for a one year Non O-A visa at home with income or funds on the same financial conditions as a regular Non O, but you don’t need to prove any funds in Thailand.
Ok, good. Then you should be able manage to manage yourself. The requirements can vary between banks and branches, so I suggest you ask directly yourself. This is as an example requirement from one branch in Bangkok Bank.