Last crossing was last March and going there every year. Next one is December. Also staying Laos couple of days. Never had any issue. Things can change but I won't panic about this border. And to be safe stay a couple of nights.
Cash, Wise, Revolut, ATM, Remitly, TrueMoney wallet for online shopping, enough options to survive without a Thai bank. I pay rent with Revolut at the moment.