you are a dreamer. Reality is different. Anyway, give your good advises to others they will just waste their time at IO and arguing with the officials.
cannot. Credit of 40k per month alone is not enough. They need to have a confirmation from embassy on where the money comes from. And for this way, 3 months 40k is not enough. You need 12 month. 3 month is for 400k deposit in Thai Bank.
I assume you are talking about a spouse visa. You need letter from your embassy confirming the source of funds. Or you can deposit THB 400k in a thai bank account but you need to show this for the past 3 months plus a letter from the bank. And that is not all. It requires a lot more documents such as house book, rental contracts, pictures with you and wife/kid inside and outside the house and maybe more.... if you are over 50, you can apply non OA which requires 800k.