people often apply from countries that are not their home country either because they are residing for months, working there, or staying there temporarily.
I didn't say they had to be "a resident". I meant the country they are residing in at the time aka "staying". Perhaps using formal wording for "staying" is not how you'd phrase it. I've edited it.
been there done that. Lol. I opened my bank account on exempt entry with a bit of creative arguing. I didn't have a second ID. . So offered my bus pass and showed them it said "Cornwall council" and they accepted it. I know better now! Don't do as I do. 🤦
You could have got the Non-O before arriving then you could open a bank account. Is there some reason you applied for tourist visa before arriving instead of non-O based on retirement?