Anonymous participant 941 Shopee doesn't work for me. It seems they have old accounts and new accounts. New accounts can't even pay via QR code and Moreta pay. Lazarda is pretty easy with international debit cards.
well it did get more difficult for sure. A SCB at Big C rejected me today after being somewhat open and checking with headquaters. Also: What's the use of a "Savings" account? What I would like is a regular bank account.
residence certificate just cost me 200 THB in Bangkok, not free. What you mean is TM-30, it's not the same. Of course, 2.000 by the agent is ridiculous. Regarding the spend/earn money thing, I try to remember my hourly wage when I was still trading time for money. If some coach or agent without formal qualification wants to earn a lot more than me per hour, I prefer do to it myself. At least I know it will be done properly then.
Agents know which embassy is best for your route. They can recommend cost-effective soft power courses that are accepted by the respective embassy. I sometimes think Thailand creates this mess on purpose so agents stay in business.