i also read recently regarding money laundering e.a. Cambodia and some chinese opening and closing accounts channelling illicit funds. Thats why Bkok bank has upped the ante.
agents in cahoots with people who shouldnt retire in Thailand in the 1st place. But money talks. Fact is, immigration will ramp up requirements more and more as agents and clients cut more and more corners.
Nick, i know you would like to live in Thailand like all of us. But honestly, your dream and finances dont meet up. Please believe me if i say this kindly. Rather be poor in your own country , than be poor in another nation's country. Visit, go back a year later and repeat.