All I will say is mo ey. Including g obligations and debts, should be part of the conversation. For me, financial stability was certainly part of the attraction in the beginning for her, but next year her income will surpass mine after I got her business going. Two kids, good life for both of us now and well after I'm gone. More bad stories than good but that does not mean successful relationships with large age differences are not possible. Do your homework. Good luck!
I don't believe you will have an issue even IF a police background check was required. I don't believe anything before 18 would be checked AND if you are in a different state now, the check will only go back to when you started living in that state if you go to local/state police office to get the report. That is how it worked for me 7-8 years ago.
I use Charles Schwab bank to bank for LARGE international transfers. At the time when I researched this, Wise was better for under 20,000USD (637K THB), but over that amount, Schwab bank to bank transfers were more cost effective. I do two 1M+ baht wire transfers a year so use Schwab. Fee is $15 no matter amount transferred.
It's not that expensive here. You can get 3,5,10M baht comprehensive coverage here. With no claims in 4 years my 5M baht coverage is 2,000USD per year (mid-60's).