Gave a look at this ,if you have not already
https://www.ageuk.org.uk/information-advice/money-legal/benefits-entitlements/returning-to-the-uk-after-living-abroad-heading/
That's part of the local culture in Thailand, at every level of society. No concept of preventing a disaster with forethought, just pretty good at picking up the pieces afterwards (cf collapsed building a couple of months ago).
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