And yet here you are yourself, flinging your personal opinion about like a professor of theology.
Your notion of the legal system and legality is steeped in your western heritage, which has nothing whatsoever to do with the way it works here in Thailand.
I have both Wise and a Bangkok Bank account, and I can’t imagine doing it without the Thai bank. For the Promptpay feature alone, it’s worth it. Plus the convenience of fee-free ATM withdrawals. And instant bank transfers and top-ups.
Well worth the minor effort and expense to set up.