you mentioned governments and cartels. You know everyone else pays just 50 baht for withdrawals? They've just had a chat amongst themselves to target your cards with the 250 bhat fees to enrich themselves
so do you shout Xenophobe when you get withdrawal fees in other countries, as pretty much all banks charge withdrawal fees for foreign issued cards. Many countries have private ATMs that charge fees regardless of the card issuer. Do you think Thais shout Xenophobia when they make withdrawals from their own banks in another districts of Thailand as is actually the case with Thai banks?
Really depends where you're going. If you're sticking to urban areas you probably don't need any but probably not a bad idea to make sure you're up to date on tetanus etc. if you're going up north into jungle territory then Japanese encephalitis may need worth getting but get some in Thailand