I think that's fine as long as you can show a lot of transactions prior to that, over the course of 6 months, proving you have income that gets paid onto your account.
That's a very different scenario and I don't see immigration holding up people for that. It's very likely he used to work in Thailand and didn't settle his tax bill or something. Or he owned a business and didn't settle his bill.
Were you on a previous non-B, non-O or other eligible visa with work permit and didn't settle your tax bill? That would be the ONLY circumstance under which what you indicate in this post would be possible.
They want to make sure the money wasn't just deposited there by a friend. If they can see lots of transactions, it means that you're getting paid, transferring funds into your account and using your bank account like it is intended.
That's something they'll have to deal with unfortunately and while I think some consulates are speeding up processing times, Laos will likely become one of the slowest in the region and thus avoided by most applicants come January.
I assume how it will work is, first you make payment, get a receipt and then you upload that or provide the receipt number, then it will let you proceed with the application (or the other way around; you upload everything, then evidence of payment in cash, at the embassy in Vientiane or consulate-general in Savannakhet).
I wonder why that is? A strange and useless rule. Besides, once the Lao consulates move to the e-visa, they'll have to rethink this whole thing, regarding conversions.
Having said that, in other jurisdictions using the e-visa system, it can be quite fast. Vietnam and Cambodia (especially Ho Chi Minh) can issue e-visas in as little as 48 hours (though they state the processing time is now 5 business days).