What are "phone calls"?
Every single person I know sends text based messages through whatsapp, line, fb messenger, telegram, signal or discord.
I don't know anyone who uses voice.
I would try Kasikorn Bank. Been with them for 15 years and have nothing but good things to say about them. However I am in Bangkok where things are sometimes easier than they might be in the provinces.
I'm sure there are a lot of people who have less than 500 million and more than 10 million.
These stats make it look like there are just super rich Thais and super poor Thais. Very misleading.
If you are determined enough cutting your own throat isn't hard.
A suitably sharp blade and you can open your carotid artery easily.
'Throat cut' doesn't mean ear to ear like in the movies.
A dry herb vaporizer is not the same as the vapes that are illegal.
You can buy dry herb vaporisers here (prices are in USD) - https://asiavape.co/bangkok-warehouse/
If I've handed over the cash to pay for something, I don't want my pockets filled with change, or my wallet filled with low denomination notes. So if my GF is with me I'll tell the shopkeeper to give her the change. My GF is not Thai/Asian.
These days I try to pay using my phone as much as possible.
This is where the problems usually begin for most of the sad old men who come to Thailand looking for sex.
The moral of the story should be stay away from Pattaya!