It’s important to note that many of the expat accounts have been closed down due to the laxity of individual bank branches in enforcing their own policies, which were taken advantage of by nefarious actors. Many expats attempt to open bank accounts on tourist visas (which include the recently popular Destination Thailand Visa for digital nomads) without proper identification, and though allowed in the past, is now being restricted. One can argue about the classification of visas and the dissonance between economic goals and immigration policy, but for Thais, this is a long overdue enforcement action especially as it regards to scams targeting an older generation. Yes, it significantly impacts honest expats looking to stay beyond the short-term, but there is a way to doing things in Thailand that requires guests to adapt to their hosts, of which accepting the reality of Thailand’s political situations is an important part.

Foreigners on DTVs are allowed to stay for five years. To prohibit someone living in Thailand for such a long period from opening a bank account - often necessary for paying rent and other necessities - is insane. And sanctimony about "guests adapting to their hosts" doesn't make it any less so.