when you get over 60 and have existing health conditions, the health insurance often becomes worthless and expensive as they still charge the same premium, but do not cover all your existing health conditions and things related to them. As a result many people elect to self insure.
I think you are replying to the wrong person. Glen said he didn't want to invest a big chunk of money. I suggested he gets an OA visa instead if that's the case as it means he doesn't need to deposit money here. I have more than 800k in Bkk bank same as you!
I don't want to tempt fate, but I have been with Bkk bank for over 3 years and not had this problem (yet). Is there something the customer does (or doesn't do) that initiates this action from the bank?
Yes you can use the 65,000 method for the second year and yes you can transfer to the retirement visa for your second extension. You will definitely need your own account to deposit your money for visa purposes.