2 different things. TM30 should be filed by the possessor of the property you are staying at within 24 hours of your arrival to stay there. It notifies the government that a foreigner has arrived to stay somewhere. This is done by the hotel or homeowner. A 90 day report is done by yourself to tell immigration where you are staying every 90 days you stay continously in Thailand. Both are required.
you can still register for TM30 as the house possessor. You don't have to be Thai. But if you have a Thai wife, why not have them complete the online registration? After that, you use the login she created to do the TM30 notifications. You don't need to know Thai. The fields are in English.
Why not just follow the law? Register to file a TM30 on the online website and simply sign in and file one every time you come back to stay at your house? It's hardly a hassle. Just pure laziness if you are the homeowner as you can easily register online to file TM30 for your own home.
you're confusing a multiple entry re-entry permit with a multiple entry tourist visa. Totally different things. Multiple entry tourist visas are valid for use anytime during the visa's 6 month validity period to enter for 60 day stays each time.
There are tons of posts explaining the process from people who went through it at Bangkok Pet Lovers. Join that group and you'll see all the info you seek.
I think most people routinely use cardless ATM nowadays and don't carry their ATM cards if they even still have one. If the account is frozen, the cardless ATM also won't work.