since you know it all already (but you don't), why are you asking others and then rejecting their correct advice. With your attitude you will become very frustrated here. I hope you've spent some significant time here, otherwise you'll likely be a one and done expat.
I signed up with them about 1 month ago for auto insurance and I just turned 72. However, when I did a quote the month before for motorcycle insurance it told me I didn't qualify.
You will never get her a Visa for USA unless she has extensive foreign travel always returning to TH or a compelling reason to return (good job, family, business ownership, etc).