Yes, I use Wise all the time and have done for a few years. The free ATM allowance is quite low though - mine is probably the equivalent of about US$200 a month, which goes nowhere.
I do deposit funds into my girlfriend’s account and the Wise fee is only ฿44.70. But somehow I seem to pay far higher fees than any bank account when getting my money back😂
Yes the reasons are obvious but the availability almost non existent for the tourist. I spend 4 months a year in Thailand, I could really use a Thai bank account but I don’t qualify.
Just wait until the change has been confirmed and you know the date from which it is effective. If it turns out it affects you then either change your ticket or get a 60 day tourist visa. You may also be able to get a 30 day extension, in which case your ticket is still useable; to travel into Thailand you can get a temporary onward ticket for about US$14.