Bank account included in conditions of a visa? MFA does not tell anything at all about bank accounts.
Banks decide which rules they use, within what government tells them to do.
There is nothing changed about DTV, it was a tourist visa from the very first moment. In the beginning some banks allowed opening bank accounts on DTV, while others did not allow. The trend to not allowing is very clear now, possible because government rules for banks are more strict and banks better know DTV by now.
It is not necessary to be clairvoyant to foresee a tourist visa might have some disadvantages when you want to use it to live in a country, and I suppose you know working at immigration is not a part time job you can do on a DTV visa.
With this you say yourself you choose the wrong visa, a tourist visa for the country of your prime residence just does not match with each other.
By using the touris visa to its limits, this loophole gives you the posssibility to use it to live in Thailand. Necessary border bouncing is one of the symptoms as this, just as no bank account, and only 2 year tempory drivers license.
That has nothing to do with the fact we are not the same.
You complain the bank closed your account, but by choosing to be a tourist and not a visa to stay as resident, this is caused by yourself, not by the bank.
DTV has been a tourist visa from the beginning. That implies you should not be surprised to be treated as a tourist. You say you use it to live in Thailand, so you are using the loophole of connecting the stays back to back, just fine. Without bank account there are still options to use QR Promptpay targeted at tourists when you really want, but that comes at a cost. It is all a matter of making decisions.
It is very simple actually, if you can find loopholes to live in Thailand on a tourist visa it should not be too difficult to also find ways for your banking issues.