As others have said, much easier to do evisa from USA. Banks are then much easier to deal with though some will still deny you until you get your 1st 12 month extension (SCB).
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).