the DTV is by design allowing you to stay 180 continuous day per each entry. "Normal" people usually have to travel here and then, so it translates in staying 5 years, minus the days abroad. I repeat, it's actually meant to work that way. Don't mind my words, read the official words at any Thai Embassy or Thai Immigration websites.
why would DTVers feel excluded or trying to be deporting by not having a Thai bank account? Have you ever heard about international credit/debit cards? 😒🤷🏻 I'm a DTVer and not having a Thai account doest affect me at all.