Read my post again and see the reasons why, another thing, I mislaid my debit card earlier this year and my Bangkok bank charged me 500 Bt to replace it, also the time before that when I renewed my debit card it had a few hundred Baht in it for use on the BTS, they did not replace it on my new debit card, they just kept it.
I can afford the money in the bank for the retirement extensions, but I keep the bulk of my savings in my UK bank and gold in a safe place.
"Most people who make statements like this don't actually have any money to deposit here."
I am not one of your most people, so don't blether about what you know nothing about.