Can you elaborate on that, how was it a pain to open your TrueMoney account? I've had one since 2-3 years, and other than having to upload TWO forms of ID initially (I used my passport and my Thai DL), it was very simple and has been working great ever since.
Not sure what you mean with an "upgrade" either. I had to do the ID verification/KYC right away and haven't required any upgrade since?
I also got their virtual MasterCard, but I'm rarely using it, as I prefer my virtual KBANK debit card for anything paid online - including Grab which has always worked fine for me (as of today, using it for my lunch order).
Now Bangkok Bank is a different story altogether, I've given up on trying to use their MasterCard debit card online.