I once sat across from a retiree in a Bangkok coffee shop who was nearly in tears because he'd just "lost" over 18,000 baht on a single transaction. He wasn't robbed; he simply walked into a major Thai bank branch and asked to send 400 000 Thai Baht to USD to his account back in Florida. Between the predatory exchange rate spread the bank didn't disclose and the three different "processing fees" tacked on by intermediary banks, his actual receipt was hundreds of dollars short of what Google told him it should be.
This isn't an anomaly. In my years navigating the Thai financial system, I've seen that the biggest losses don't come from scammers in neon-lit alleys, but from respectable institutions that count
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