Officially it's this:
If you are entering visa on arrival, you must be able to show 10,000 baht if individual or 20,000 baht for a family.
If you are entering visa exempt, you must be able to show 20,000 baht if individual, or 20,000 baht for a family.
It makes sense under the sold 15/30 day scheme. Double the money for double the amount of time.
It appears many immigration officers, especially at land borders, either don't know the rules or just default to the 10,000 baht so they can give the same number to everyone.
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