You know, now that someone mentioned it, if you are in Bangkok you can link the skytrain rabbit card to line pay and then using the line app with a Thai phone number, you can get the line wallet and pay using a line pay QR code. Of course you can easily add money at any green line skytrain ticket window
You don't want a bank account in Thailand. It's just gonna open you up to Thai taxes. Stay a tourist and use a wise app virtual visa card and tap to pay
All my banks refuse to send 2fa codes to app based VOIP numbers like Google voice, WhatsApp, etc. If you do porr you number over to a VOIP app the banks will detect the transfer after 30 days and the cut off the 2fa codes to the number. Your best bet on phones that work in Asia and the US is to get 2 Samsung A15 phones at bestbuy (they sell them unlocked) and make one the hotspot for the other. Transfer your number to tello, as you can change the plan each month and just just pay $7 a month when your in Asia, and go unlimited for $25 a month in america.