Fact. I have seen on this site, after the change to 60 days, where many people were pulled aside and questioned on only their second Visa Exempt entry and some were denied entry.
Immigration consider that the Visa Exempt entry is for tourists.If you have already had 90 days in Thailand under the Visa Exempt/extention then Immigration may well consider that you are no longer a tourist and are attempting to stay long term in Thailand and so deny you entry on your second try for a Visa Exempt entry. Immigration has, since the Visa Exempt moved from 30 days to 60 days, questioned/denyed entry to many (but not all) who have tryed for a secomd Visa Exempt entry. Therefore second or third Visa Exempt entrys are frought with risk.
The Thai Government has required banks to close nom Thai bank accounts unless they are proven to be held by lomg term visa/extension holders. To do with illegal scams and especially by Chinese illegal operations.
Actually, you are not on a Retirement Visa Extension at all. When you visa ran out it was finished. I think that you are probably on an extensionj of stay based on being over 50 years. That is not a vis extension.