The 60 days was intended to be temporary. Combine this with the fact that they likely lost a fair amount of revenue from people obtaining a tourist visa and it's no surprise. I mean why would you buy a tourist visa to get 60 days when you can get 60 days free?
I believe the vast majority of plans will only cover for 30 to 180 days of consecutive travel outside of the covered area, with 90 days being the most common. You're playing with fire counting on it.
when you apply for the non-o outside of thailand the financial requirements do not need to be in a thai bank account. You can use proof of funds from an account in your home country.
I'm not denying that at all or saying Thailand shouldn't follow suit. All I'm giving is facts for how it has been in the past and what the Thai laws allowed. It was a very common practice for people to do because it used to be just as easy as getting the visa before coming. It seems that may no longer be the case.
because several years ago this was a complete non issue. It wasn't any more difficult to do it in country than outside of thailand. Its only become a problem recently.
if you are applying for an extension then it means you already have the non-o in which case the banks don't seem to have an issue with opening an account. This is why it has been recommended for the last 1-2 years to get the non-o in your home country before coming to Thailand. When you apply for the non-o outside of thailand the financial requirement does not need to be in a Thai account, an account in your home country is sufficient. Once in Thailand you open the account right away and deposit the money so you can meet the 2 month seasoning requirement to get the 1 year extension.
there is no such thing as a "retirement" visa. What many refer to as the retirement visa is actually a non-o visa based on retirement. To apply for this inside of Thailand, and many other variations of the non-o including marriage one needs to have the money in the bank the day you apply. I have never heard of any office giving a 30 day grace period for this.