At the bottom of the TM.47 form it's written: "The fine of Overdue Notification is not exceeding 5000 Baht". Thats why I'm using the calendar function of my phone to remind me of the 90 days notification 😉
You should first try to find out what was the reason for rejection. I would travel to a new consulate in another country. Just in case they rejected you because they didn't like you for whatever reason
Of course, it's not normal. Normally, you should have received a DTV, but maybe it was a mistake. You could go back to the counter where you paid the 10,000 baht, which is open in the morning, and ask if it was perhaps a mistake because you applied for a DTV
The reason your visa hasn't been approved yet could be that, in view of the growing tensions, the consular staff are apparently fully occupied with preparing evacuation plans for Thai citizens and the consulate itself. I can well imagine that ordinary visa applications are simply not a priority.
Short update: In case of a conflict the thai embassy might stay open but the consulates will close for sure. Keep this in mind. And I just read that the expenses are killing you. If you have to leave, the most cost effective option would probably be to take the bus to Savannakhet, Laos and reapply there, as accommodations there cost around 300 to 400 baht and food is also very cheap. I got my visa there within three days. Since Savannakhet is right on the border, once you have received your visa you can simply take a bus across the Mekong to Thailand and from the Thai border town of Mukdahan you can take a bus to any place in Thailand for a few hundred baht.
Tensions between Thailand and Cambodia are rising. I suspect there's much more to this than we can currently imagine. Stay and wait, but develop an escape plan to Laos or Vietnam, so you can reapply there if fighting breaks out.