Mr MichaelDutch,
you don't understand why people use the 800K way. It is very easy to understand: you are from the Netherlands and they are all afraid to keep some money in the bank as, what they have, they want to spend as soon as possible. So, you just don't have the 800K, that is all. With the poormans' AOW you barely have enough to fullkfill the rules as married with a Thai wife.