I hear you, but I view it this way. I still love to travel. Leaving to go outside of Thailand for a week, a month, etc. from time to time, the cost isn't a concern. I personally don't like being in Thailand during April, May when it is way to hot for my liking. Maybe if I wasn't up physically to hop on planes and drag a bag around with me, then I might find staying in Thailand year in, year out more acceptable, but right now I'm still fit enough to enjoy travel. The yearly multi Non "O" suited my situation.
I'm fortunate to be in a position that 400k is ok if I had to tie it up in a Thai bank. While I can get a better return in Australia on money invested, if I needed to deposit it in Thailand, then it is what it is.
I've spent many years in Thailand using multi-entry Non-O visas. Never set foot in an immigration office, just got stamped in at the airport or in the bad old days, at Poi Pet. I'm still fortunate to have a choice and my preference is to avoid government departments if I can.
Exactly 👍