BrilliantMouse3131 I've not seen anything to that effect. Exchange rates are fine (except in Myanmar, but that's a junta policy).
The MAIN concern you have with using a foreign debit or credit card to withdraw cash from a Thai ATM are the fees charged by the ATM (now 250 Baht at most banks and soon, all of them will increase from the previous 220 to 250) plus the 3% foreign currency conversion fee your home bank will charge (depending on your bank, it could be as low as 1% or as high as 3.5%, but most are charging 3% these days) plus the foreign ATM withdrawal fee your home bank charges, which is usually somewhere around 5 USD / AUD / SGD / CHF / EUR / GBP.
Some banks might reimburse these costs, but not many and depends where you're from. I've seen debit cards that don't charge these fees, but then charge you like $10 per month as an account maintenance fee.
Anyway, that is your MAIN concern when it comes to using a foreign debit card in a Thai ATM. If you're paying for goods and services using your card, then it's not so bad. Quite a number of credit cards offer an international fee free option.
Nonsense. You've just made that up. Both visas have a "employment prohibited" disclaimer. There's no difference between the two in that respect. A DTV is merely being promoted as being suitable for remote work, but a retirement visa will allow the same.