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.
Bangkok Bank (BBL), a major Thai financial institution, has historically been perceived as less straightforward for foreigners seeking legal assistance for long-term visa support and other complex services.
While the bank has seen various incidents in recent years, which were generally attributed to internal issues, I recommend all foreigners consider the largest banks in Thailand: Siam Commercial Bank (SCB) Kasikornbank (KBank) and UOB Bank.
If you possess all the necessary official documentation, including proof of residency, a SIM card registered in your name, and a long-term visa, you should generally not encounter problems at any major banks branch.
It's not the banks around the world that are creating problems. The problems are caused by certain Chinese-Owned banks in Thailand, like BB, which are causing a lot of problems for their clients due to their incompetent staff.