cash is surely the king but it's damn helpful when you can deal with online stuff by yourself, not everyone accepts cash on delivery and not everyone likes to wait the carrier to come to your place. It's also a great thing to go around without bringing anything but your phone.
can you explain that "non business"? You mean if I scan pay at Lotus or a famous restaurant then it won't affect while scanning at the night market auntie's account does?
when u apply for full access it'll ask you to show your NON IMMIGRANT visa, at that point I sent a picture of my DTV visa + picture of the entry stamp in thailand and that was enough. I'm not sure if having also a phone number with true or the US password helped but I'm happy with it
Except for few gyms that obviously provide documents for dtv @
*****
baht up (and they make a living out of that), most of the school are looking for real customers/students. It makes sense they don't do refunds cuz their main goal is NOT to provide visas but to offer classes. If u need the documents then u can do a fast research on this page and you'll find plenty of places than will offer refunds as well