what you're describing is a debit card. Credit refers to lending of money by your bank, you're holding cash in your account which the bank deducts from when you make transactions. That's a debit card.
I'm not sure why you keep attacking America on credit cards, the entire world uses credit cards the same way. Throughout Asia, UK, Australia, North America, etc. That's how credit works.
can you not get the visa exchange rate with a visa debit card issued by an EU bank? A note, credit cards and debit cards in every country around the world have advantages and disadvantages. Otherwise they would be the same product...
I don't know why you keep saying "real" credit card. A visa debit card works the exact same. Your bank may have some odd allowance for cash advances, but generally a cash advance on credit cards will trigger fees and interest being incurred straight away.
the bureaucracy is the same when dealing with most government departments in Thailand.
The requirements listed were pretty basic as well, the only difference from a tourist visa extension (which backpackers can figure out so mustn't be too complicated) is needing bank statements, bank book and a letter from your bank. It's really not that complicated
Lucky this isn't America. Thai people don't care if you don't speak Thai, they're very surprised if a foreigner does. Seems like a western view you're trying to impart on an Asian country.
Reason most expats don't is mainly, difficulty learning the language, they're old and they live in areas where you can function perfectly speaking English.
the department of consular affairs would be one of the departments of the MFA. They deal with consular issues, Passports, etc. You'll need to go to a specific location that offers legalisation services, as most branches they have would be only passport offices. You need to book an appointment, they don't accept walk in anymore (at least not in the two Bangkok offices)
Otherwise just pay for an agent to do it if you want a hassle free option.