@Nick ******
I think you're missing a cog in the works. I've lived in Thailand for over a quarter of a century, and I opened my first Savings account at BBL Bank in 2000. After a few months, I decided to close it and choose other banks to simplify my operations. Try to keep your feet on the ground, and don't let your bald imagination run wild.
If BBL had operated as other banks in Thailand have, registering customer data with all the necessary precautions, including facial recognition, the scam wouldn't have happened today. BBL and its employees, in an attempt to attract large numbers of customers, opened haphazard savings accounts.