If 56 million people have bank accounts in Thailand (according to Gemini) and 3 million have been frozen, that means it is about one in twenty. 5.3% Even if the new rules come into play that means, by rule of thumb, 5% of your payments do not get to you and are frozen. That means PrompPay would have an implicit fee of 5%, more than credit cards. Hmm. Just rule of thumb, back of the envelope thinking. #siamstr