She has just totally misunderstood what a "retirement" visa is and doesn't understand that you don't need a Thai bank account when applying for it back home.
First, staying in an Airbnb less than 30 days is officially illegal in Thailand. Second, 15 days is way to short for both immigration and for most banks. You're wasting 15 days + those 3 weeks in a hotel. You can't apply for a certificate of residence, and banks will not accept 15 days in an Airbnb or a stay at an hotel. You haven't thought this through. When arriving on a 90 days Non-O, finding a place with a long term contract and open a bank account is the two most important things to accomplish. If you're not going to apply for the 1 year extension during these 90 days, you must find a place to stay with a long term contract,open a bank account and transfer the money within these 90 days. It's normally no problem. Arriving in Thailand on a 90 days Non-O and going away after 15 days instead of finding a place to stay and open a bank account is imo pure stupidity. That's NOT how it should be done. You might need an agent,but wasting a lot of money because of not having a plan is not very smart. If you'd done it the correct way, you could easily have accomplished everything for free in a very short time. I hope you understand what I mean.