This happened to me one time and the bank could retrieve it. I never reported a missing card so I could access on line banking. Transferred funds to my visa card and only pulled money from machines attached to a bank. I eventually opened a Thai bank account and use Wise to transfer funds. I needed to be in Canada to set up my Wise account. It was a very good decision.
I've actually had 3 short over stays, but never received stamp. The longest was 3 days, I told them immigration only gave me 57 days on my 60 day visa, I paid the over stay and everyone was happy.
Your going to be turned away at the airport in Canada. Air Canada is particularly strict with this. I have an itinerary longer than my visa and it's going to take me some persuading. Plan b is to book a flight out of Thailand.