The comment is relevant to the prior irrelevant response.
Thai banks that want access to American controlled banking systems. That access requires Thai banks to report activity by American account holders. A Thai bank says “no” to a US citizen trying to open an account, to avoid reporting requirements.
The bank managers that I have talked to said “I have no choice” and when pushed they say bank policy to comply with government rules. Without a government rule, banks would be happy to open accounts for most everyone, they could easily make a profit.