No matter what people say, and no matter what websites like this one say, this is an illegal action and people should avoid it. Creating reservations without purchasing a real ticket may be seen as an attempt to bypass immigration rules. Having a real reservation doesn't change the fact that the traveller intentionally wants to exploit the system. This isn't actually difficult to check. It's much better to just buy a cheap bus ticket or something similar.
Nobody knows. It depends on the immigration officer and many other factors. But if it was a visa exemption and you were abroad for only a short time, there's a chance you might not be allowed to enter.
Are you sure you know what you're talking about and that you understood correctly? 200 THB is the minimum amount for card payments (unless something has changed recently), not an extra cost. Personally, I don't use the Wise card, but it seems pretty unlikely that such an amount would be charged for a card transaction - especially when using solutions like Wise.
I haven't used it myself, but if the only way to top up is through a foreign exchange booth, it doesn't seem very cost-effective in the long run. You still need foreign cash, and exchange rates at those places are typically unfavorable. It might make sense for short-term tourists in Thailand, but I don't think it's worth it for long-term residents. It also likely depends on how much you usually spend. While it's convenient that it supports QR payments, overall, I personally don't find it better than options like Revolut, etc.
Oh, yeah, it's perfectly fine to ban people for using intelligent sarcasm and encouraging others to use their brains to solve problems, but there's nothing wrong with writing primitive insults. Makes sense 🤦♂️. Maybe such people should self-reflect a bit on why they get such replies instead of crying like little frustrated girls.