Huge wealth stacked high in a few houses is far less useful than wealth spread more equally across the population, but neither Thailand nor Cambodia could be accused of accomplishing that happy situation.
In every category of products and services, there are higher cost options for those craving a little more convenience. Why do feel you must obnoxiously confront everyone who chooses to avail themselves of options you personally wouldn’t choose?
Just remember that only a small percentage of available rental condos and villas permit pets. There ARE some available but your selection will be severely restricted compared to someone with no pets.
If you live in Chiang Mai I would definitely open my bank account there rather than somewhere cheaper or easier. There are a variety of good reasons for this, chief of which if you need to do something official, you will be asked to do it at the branch where you opened the account.