That's been my experience too (SWIFT better for once a year). My bank is hesitant to do a SWIFT transfer over the phone though. So I do it in person once a year when I'm visiting home country branch.
It can be numerous reason why and how you will find yourself on overstay. I overstayed a few months more than a decade ago, was arrested outside a shopping mall in Bangkok, and ended up at IDC. Spent 2 weeks there before I could buy my own ticket home.
I even wrote about it on this forum, and got a lot of comments.
My reason was that I was scammed by my ex girlfriend, and found myself almost without money during these months. While I was getting more money sent to me from Europe for my ticket, I was arrested before I could leave on my own.
These things could happen to anyone. Don't judge the book by its cover. Not all of us has backup, and some of us might use some time to recover from whatever happened to us.
Laziness, or overstaying on purpose, is a complete different thing, and I don't understand that at all. Some also shouldn't be here if they don't have enough money for it in the first place.
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