So Double Standard for Foreigners. Thai people can be poor, have little savings, cause no problems and live a happy free life in Thailand.
Regarding your proposed 10 or 20 million Baht.
False the better Class of people, Do and Will live in Europe, Singapore, etc because they can Afford a better location with Less pollution and is already developed and already has the better Class of people.
Additionally only a FOOL would leave 10 or 20 million Baht in a bank earning No Interest, that little they give you doesn't cover yearly inflation.
The Banks Additionally leverage your Bank Deposits and charge customers A lot more interest making the Bank A lot more money.
Thailand has many, many great people. The short time Tourist, and Foreigners seems to be main problem. Then you have some idiot Foreigners setting up Scams, Call Centers who Eventually are arrested.
Same happens in the USA that many foreign countries admire.