Not as simple as that. With banks not accepting land documents such as sor bor kor, many Thais have to rely on family or loan sharks if they wish to work overseas, for example, they may have to pay 100,000 baht or more in advance for labour fees, etc . Some loan sharks are liked, a teacher in our village enabled many Thais to work in Korea in the golden years before Covid.
I believe 5% interest per month is the legal limit but many loan sharks charge 10% a month.
Compulsive gamblers are easy prey for loan sharks, and when the latter 'have connections' as they invariably do, (otherwise how could they survive?) then the hapless debtor is in deep trouble, often having to leave the area.
The problem is intractable unless the government punishes loan sharks with several years in the slammer.
And that won't happen because of ..... 'connections'.