the problem with that logic is that if you use that money, you no longer qualify for the retirement extension and you have to leave. I don’t think it’s a conspiracy theory to say that it supports the banks. It certainly does since you have to keep it in there, unless you qualify with monthly deposits.
you’re mixing up terms. The retirement extension can be renewed one year at a time. The 90 day report has nothing to do with the extension. It’s just a report of your whereabouts.
the Saigon consulate requires an appointment and you must bring the email that you receive, confirming the appointment. They will not let you in without it.
Also, the requirement for bank statements is confusing. They want to see 6 months of statements.
Finally, the US$40 must be in crisp, brand new bills.