On May 1st, new Thai government banking regulations took effect with the intention of reducing the number of mule accounts used as part of phone scams.
Unfortunately these new regulations adversely affect many new and long term visitors.
The majority of the mule accounts are most likely Thais, who are lured by the prospect of easy money in exchange for handing over access to their new accounts.
As mentioned above, an agent (money), like with many things in Thailand, can help overcome the challenges.
Honda Safety Riding School courses is where you get good training and lots of experience on a safe, closed course with lots of soft traffic cones simulating different environments you are likely to encounter on the road.