If the 500k is to show enough money to support yourself over the 5 years then how can it just sit in a bank and never be used. Not everyone is applying for remote work so some are expected to have no income.
Depends where you apply. I got mine from London and only closing statement for the day I applied was needed. I transferred the full amount of money on the same day too.
I was in Thailand on ED visa then my work contract and certificate of employment for DTV states my length of employment, showing it was the whole time for my ED visa but I got approved and stamped in.
I applied in London on a Wednesday evening with my remote work contract, proof of residence in UK and £11,000 closing bank statements. Thursday they asked for a certificate of employment which I uploaded on Friday. My visa was approved on the Monday. I arrived in Phuket last night and they asked me nothing, just stamped in for the 180 days. I have a 5 year history of covid amnesty, tourist, exempt border bounce by land, two ED visas and an 11 day over stay one year ago because of a passport problem. All good.