I am willing to bet you do not get along with anyone except a few close friends that you may have. You give me the feeling that you are entitled and not willing to adapt to other customs and most likely view Thai people as below you. Just my opinion.
Joe Manny you sound so bitter about life in Thailand. You insult people right now with your comments. If you couldn't survive or like Thailand that is fine, just move on to the next chapter in your life. You had a bad experience but others have good experiences. There is good and bad in every country. Maybe you was fired from being a teacher because of your attitude.
Depends. If you want a retirement visa you need to have 800k baht in a Thai bank account. Some people don't have 800k or they do not want to keep it in a Thai Bank account that pays very little or no interest. In which case they will pay an Agent to bribe Immigration. The hardest part is getting a Thai Bank account.