Not “visa on arrival” that is something completely different. Coming from the US, you would be entering on “Visa Exempt” valid for 60 days with 30 day extension available.
You sound like a little whinny snowflake who thinks the world should revolve around them just to make it more convenient for them. If you don’t like the Immigration rules here then don’t come.
I hear what you’re saying. We live in Phichit and they are very relaxed. Officer came to house, no questions for neighbors, and only required one photo of the wife and I in front of the house showing that house number.
actually if you keep copies of your original extension application, all you have to do is update the TM seven and go to the ampour for a marriage certificate verifying that you are still married. Other than that I just copied the same documents. I use one when I initially applied. 
it’s not 40 K a month and 400,000 in the bank. You can only do the 40 K a month after your first year it’s the same as a retirement visa. Only the amounts are smaller.
i’m from the US. I have a non-o Visa based on marriage and I have to do 90 day recording and apply for Ext every year just like a retirement visa only with more requirements.  please inform me how I can get away with not having a visa just because I’m married to a Thai lady.