Everybody has to decide for himself what is the risk of fraud. Withdrawing money in an ATM in Thailand is considered bringing money in Thailand when it is originating from a foreign account. Maybe this is not easy checked, and as long as you not do it too much you get away with it.
But think about the fact you need money to live, so when you are tax resident and not bringing in money, nor have a Thai job, where does your money come from?
rate normally not the same, Wise now 35.0039 THB for EUR 1, Revolut 34.81 THB for EUR 1, so the amount and fees decide which is cheapest. Transfer with Revolut gave me one time a charge at receiver side, this never happened me with wise.