Wot is Visa money? Wot?

In that case, you need to clarify the racial or ethic group that are being targeted. Having rules that target a particular ethnic group or race would be racist. Having rules that only apply to Thais living in Thailand and having separate rules for tourists and all other guests living in or visiting the country may be discriminatory, but not racist. I would suggest you move to a country that actually likes you if you think you are being singled out. The world is your oyster.

How many more times are you going to use the word, xenophobic? You sound like a broken record! Until you are in a position to change everything you don't like, suck it up. Or, you could reconsider your life choices. Nobody is forcing you to use an ATM in Thailand. Grow up and stop whining.