I'm in agreement. It's just TOO easy and after getting shut down applying for the medical DTV in Savannakhet it is clear embassies are being vague and arbitrary.
OK that explains my financial adventures at the Savannakhet Consulate and why they wanted to see my financial accounts on my tablet...."credibility and verifiability".
BTW had I not had a Laos Sim card I could not have accessed the internet at the window. Be prepared.
I used a brokerage account from the US. Indeed they did have me log into my account. I can't access that account from my phone hence returning with the tablet.
I initially used my personal retirement account balance letter. It had a multi year history but it was inadequate.
I don't think they truly understand financial accounts very well.
We had a call the day before the visit. Three officers came, took photos, checked passports and had papers for our two witnesses and wife and me to sign. All in all it was at least an hour, if you don't speak Thai you're sort of a stuffed animal on the sofa.
My wife mentioned in advance a gift would serve us to establish a "relationship" with them.