I agree. Imagine having to bend the rules so you can put YOUR money into a bank that can then make life difficult for you, or even keep your money, because you "broke the rules". Not worth the risk.
I have never bothered getting a bank account in Thailand although my wife does have one into which I remit funds from overseas. I don't have the urgent need to use QR codes or even my credit card. I just use cash for everything, my wife pays our utilities from her account and I pay the monthly rent using Wise for direct transfers from my overseas account to the landlord. Who needs a bank?