You are not eligible for a Visa on Arrival.
You are eligible for a Visa Exempt Entry.
You can then apply for the Non Imm visa and 12 month stay for reirement at Immigration.
You can only get a Non Imm O-A Visa in your country.
I changed my address to my Thai one.
Did it online by logging on to there internet banking.
Debit Card and card reader has since been sent to Thailand.
Most Wives also contribute to the family finances.
Also a foreign woman married to a Thai man needs nothing in the bank so even less money for a married couple.