I just paid through my play store as normal. I didn't need a Thai bank account or anything. I just changed the region, and that was it. I'm still paying through my US PayPal account. Only thing I had to do was cancel my subscription first, then reinstate with the new thai play store
Moreta is solid for supermarkets and any official business QR code. Believe you also get 1% cash back too. Their conversion rate is pretty competitive too which pairs well with the 1% cash back
I'm lost with all of the comments. What is the problem with your bank knowing? Everyone knows I'm over here and have had no issues. I use Nord to access some apps to pay bills for the US. Other than that, I see no reason to hide.