You say she is getting an educational visa. If it's a proper school/university they can help with a letter to open a bank account. My uni offers this service.
how am I wasting everyone's time? I just answered your question. If anyone was wasting anyone's time it was you wasting my time then.. Seeing as you made the post asking, and then telling me I am wasting your time answering it.
The Danish Embassy actually checks and verifies that it's true. It is not possible to lie about. It's not just a sworn statement. I don't know the process of each individual country's embassy in Thailand, but the reason why immigration wouldn't accept them from for example the US embassy is just that. No check of anything. Just a sworn statement where you could be lying.
or choose another visa option. The new DTV looks promising for example. Elite visa will get you up to 20 years hassle free if money up front isn't a concern. LTR 10 year visa too.