This is an argument that has gone on for decades from expats. I am staying out of this battle. Because whenever I mention how cheaply and well I have lived here for over two decades. I am told I must be living in a broken down wood shack in Isan with no running water. If you are able to speak basic Thai you can save yourself a lot of $$$ and stress in the long run.
It is it took me a few tries but was able to open an account about six years ago with a tourist visa. Having said that I have a bad feeling by New Years some major changes coming with all visas.
Chong Mek is much worse. I lost count how many types of transport I needed just to cross the border. Had Taxi Mafia written all over it. That was sadly the last straw for me and Laos. The government has managed to seriously screw up the country. The fast train as on example as just another boondoggle that displaced thousands. Nothing but a eyesore. Having said that Thailand is heading down that same dangerous path also.