You're totally clueless when it comes to visas and requirements and you're questioning people that knows. Either you're listening to wrong people or you're reading stuff from questionable websites or forums. If I were you I wouldn't argue about stuff you know nothing about.
This is not an official option at all, and not something most Immigration offices even do. Name an office, preferably a major one where this is possible. There are about 85 immigration offices in Thailand in 77 provinces.
You will (most likely) not be able to open a bank account at any bank without at least a 90 days Non-O. It doesn't matter what immigration says, it's up to the bank.
Not correct. You can apply for a 90 days Non-O (or even an O-A) outside Thailand without a Thai bank account, but when applying for a 1 year extension you need a Thai bank account.