I spend many months a year in Hong Kong and have used the Octopus card there for over 2 decades.
A while ago they introduced a new Octopus card with your photo on it and entitles "Elders" to pay only $hk2 for most bus,ferry and train trips.
Excellent !
Here in TH , being on marriage extensions where I'm required to photocopy months of pages of my bankbook, deducting or withdrawing small amounts constantly (QR code payments etc ) soon fills up the book, as evidenced when doing an "Update"
I've already required several new bank books...which is a slow procedure in the bank as many of you know.
So I withdraw larger amounts from the ATM periodically, leave the bulk of it safely at home, and only put back 500 or 1000 baht into my wallet.
IF I find myself wanting to buy something of higher value, then I use my BBL Debit card