Because an O-A Visa is applied for in one's home country at a Thai Embassy / Consulate. The Financial Requirements are normally in home country currency equivalent to Baht amounts. The 800,000 Baht Equivalent must be in the bank 3 months prior to Visa application. Account is in the visa applicant's name only.
In normal non Covid times - when the Thai Border and neighbor country borders are open - the Non Imm O-A Visa Multi-Entry has an unusual property... (again in normal times). At near the first year Expiry of the O-A Visa (a few days before expiry) One could just Exit -Thailand - Enter the Neighbor Country - then Turn Around Exit that country and next Reenter Thailand AND get a full 12 months / one year added. Thus the O-A Visa became a 2 year Visa without a formal Extension of Stay being processed.
I am absolutely certain this is true. However, the borders have to be open to allow a classic border run at near the Expiry of the Non Imm O-A Multi-Entry Visa. However in this type of O-A second year the rules operate more like an O Visa Extension of Stay where any exit of Thailand requires a Reentry Permit.
There is another way (in normal - non Covid times) to obtain an O Visa for Marriage 12 months Multi-Entry. That is when the Borders are open and one can visit the Thai Consulate in Savannakhet, Laos or in HCMC - Ho Chi Mihn City, Vietnam... Then pay 5000 Baht, present a letter from the wife verifying marriage, her ID Card, Thai Marriage License...No financial requirements. Under this Visa One has to Exit and Reenter Thailand at 90 day intervals.
The standard O Visa for marriage - then processed into a One Year Extension most certainly requires 400,000 Baht in a Thai Bank Account. Or - one can proved 40,000 Baht transfer deposit each month for the previous 12 months brought into Thailand from a foreign source. Or the 40,000 from a salary - money earned in Thailand when the O visa / Extension holder has acquired a Work Permit - which is allowed to be done under this O Visa / Extension category