you told him "be grateful they let you in"... if it's not submission, I don't know what it is.
He has not to be grateful, this agent is not the kingdom. He made all that required for his entrance, made a visa, gave reason and justifications for it, and paid for it + will spend his money in Thailand for 5 years.
That's all the agent has to know and definitely not to be thanked for a gratefulness he doesn't deserve
same everywhere or banks refuse. But in fact I needed an insurance for accidents, so for 6k/ year and 100k of refund/ paiement for each issue during only one year that's correct
stop spreading bs every time on every post. Some people already told you there's no way for thai gov to tax if your income doesn't arrive on thai bank account.
Without counting on the non double tax laws between Thailand and some countries
Fees cost usually 7000 baths. One agent in Chiang Mai told me I can't open it except if i subscribe to a corporal insurance that doesn't cover... foreigners.
So 8k + 7k to open it.
The other solution a bank agent gave me is to buy a condo.