you said bubble burst because of a Thai baht fee and that was your comment to his remark that there is no fee from his bank so your remark bubble burst is wrong. Why would I tell that to the OP? More clear now for you?
there is no objective truth regarding this. If those who have a bank account and are happy with that it's brilliant for them. When I came here 2x3 months every year I had good use of my account