2018-2020 3 times a year, back again after covid, 2023 3 times a year since and have never been asked about finances at all. Actually, I've never been asked about onward travel or finances. It's exactly as you say, if they're looking for a reason to deny you because of past habits then you should be prepared to show proof of whatever they might want.
I got a Thai driver's license in Nong Khai for 205 baht, no agent. Did paperwork at transport office, went to immigration, waited 1 week and had certificate of residency from immigration, back to transport office, quick couple of tests and now I am a proud owner of a Thai DL.
hopefully they include SeaTac (Seattle) as well. That's if this even happens. If it doesn't happen, 12 hours to Taipei, 3 hour layover and 3 hours 45 minutes to BKK with EVA isn't terrible. You're on the ground in Bangkok at noon ready to go.
in Nong Khai, immigration wouldn't give a certificate of residency, just the receipt for my tm30 showing I filed it. Banks needed/wanted the certificate. Got my driver's license and also a certificate of residency because the Transport office requested it. Took a copy of the certificate to the bank and they wanted the original. Huge pain, I was on the 90 day Non-O and they still gave me grief.
Came in on the 90 day Non-O e-visa and found it extremely frustrating to open a bank account in Tha Bo as they didn't acknowledge, recognize or understand the e-visa. Had to explain more than a few times it was a long stay visa. Finally got an account open at Krungthai bank because we had a wonderful young lady assist us. I was the first foreigner to open an account with her. I got really lucky that she followed through until the end.
I drive for a living in the U.S and I drive when I come to Thailand. That being said, if you haven't driven in Thailand before, you might want to have someone drive you. Thailand driving requires you to know everything going on around you and that isn't something U.S driving gets you ready for. In the the U.S you won't have scooters on your left and right at the same time, not to mention the ones going the wrong way to get home. Factor in looking the opposite direction before you pull out so that you don't kill someone is a bit of a thing too. Have a great time here, but let others get you where you are going until you get some time on the ground here. Bangkok to Phuket is a big undertaking.
I just did the license, it took 1 week to get certificate of residency and 205 baht to get license in Nong Khai. I already had the 90 day non-o visa. Even after that a bank account was a huge problem .
The thing I like most about these Issan immigration offices are the times to completion. Nong Khai's are about the same and they are true to their word. TM30 took all of 7 minutes.