they could yes, but many don't, they would sooner pay someone to sort it for them rather than start taking loans against assets out, money is a tool to be used to make life easier, just saying, not everyone who uses an agent is doing so because they can't afford to live here
0 cash just sitting in a bank account, people use their cash and get rid of it to buy assets, not many have over a couple of hundred thousand baht in their accounts but have millions in assets
You forgot you had a middle name and you want to gain unlimited access to a foreign country for upto 5 years? I think you should stay home or made to pay double