They froze accounts in this situation:

Mr Bob Smith is married to Mrs Alice Smith. The bank has their status as married, which they have been given copies of marriage certificates over and over and over for many years.

Bob works, and Alice is dependant based on Bob's visa.

Bob has an account, Alice has an account, and they also both have credit cards under their own names. Bob and Alice also have joint accounts, where most of the money is, and it is a lot of money, enough that Alice and Bob have "VIP" status at the bank, and they've been good customers for about a decade.

Alice and Bob have recently updated all FATCA, CRS, and whatever other insane bullshit has been asked of them by the bank. Alice and Bob have Thai tax IDs, which the bank also has.

Alice and Bob have cell phones of course, and naturally, the family phones are in the account "Bob Smith"

The bank freezes Alice account.

Alice goes to the bank in person. The bank doesn't unfreeze the account, they demand she change her phone account to be in her name.

Yeah, for real.

Bob isn't happy. He thinks Thais shouldn't rely on these banks and should use cash as much as possible and avoid QR payments as much as possible.