Perhaps you could include some links to articles discussing this Thailand banking corruption / risk of loss of deposited funds you are so worried about?
I’ve personally never seen or experienced anything to give me the slightest concern over the money I entrust to Thai banks. I actually feel it’s safer there than in a USA bank.
Because Lord Jesus just loves it when you cheat the system and break laws and take jobs away from local people and then blame your bloody-mindedness on His answering your self-serving and ill-considered prayers. Drive another nail into his cross, FFS.
Based on personal observations crossing two separate visits at Baen Laem, these days they REALLY want you to use an agent/service for same day visa runs.
It is certainly possible to do it on your own, but be prepared to perhaps pay some unexpected extra fee(s).