Much anecdotal evidence that immigration is being extremely picky and demanding right now, for whatever reason. All paperwork must be perfect or will be rejected
In Thailand not everything is as black and white as you make it sound. I am neither endorsing nor criticizing the choices others make. But it’s naive to pretend that reality doesn’t happen.
So when I transfer using “General Living Expenses” it usually takes sometimes 15 seconds for the funds to become available - worst case every few months, half an hour.