I accept your views, but I believe that if one is going to live (and die) here, it is far, far easier to learn Thai and use it rather than play lucky-dip with the 'shy' locals. Life's to short for linguistic proselytism.
Knock on wood I (US citizen) have accounts at three different Thai banks including kbank opened 20 years ago and haven't heard a peep. Of course I file FBARs. If the banks aren't going after me I will do nothing.
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