I've been coming to Thailand since 2008. I retired in 2014 and now spend just short of 6 months each winter here, always coming in on a multi-entry tourist visa. I've been with the same thai lady now for 10 years. We just bought a condo together and wanted to open up a joint account to pay our bills. Bangkok Bank says I need a residence certificate, but Jomtien Immigration won't issue me one right now. Complete over-reaction on Thailands part. Thanks to the bad guys, the good guys suffer, and Thailand shoots themselves in the foot.