I've never had a problem with immigration apart from the usual requests for more photocopies, but that happens in all countries when you deal with bureaucrats. Sure, 90 day reporting is a pain, but I do it by post and that works well.
I have health insurance and the premium is circa 53,000 with a deductible of 300,000; I'm late 60s. My rent is a fraction of what I'd have to pay for a similar prime location in a UK/European capital. The electricity and water bills are peanuts. The internet connection is vastly superior to many parts of my home country. The sun shines and I have a pool and gym at my disposal, plus the beaches are a short flight or bus/van ride distant.
Ninety nine percent of my interactions with Thais have been positive. There are a'holes in every nation on earth. The Thais in my condo are delightful and I enjoy friendly banter with the staff in my local 7/11. The street vendors in the nearest soi are full of smiles and waves.
This is my fourth country. Nowhere is perfect, nowhere. Does the bureaucracy suck in Siam? Sure it does, but have you experienced Greece, Italy, Spain or France? Of course there are problems here, but have a look at the Anglo Saxon world and its obsession with wokery. Take your pick. If you are having a down day, just imagine Biden, Trudeau, Macron. Morrison, Ardern or Johnson as your PM and maybe you'll have a different perspective on life in Siam.
I've no problem with the 'retirement visa' financial requirements. If they do a 'Malaysia', I won't stay, but I can't see them doing that. With the catastrophic decline in tourism, the government needs every satang it can gather.
So, for the moment, the combination of sun, swimming pool, and relaxed lifestyle suits me well. You can make bad choices anywhere, but you can make good choices too - up to you. Just avoid 'buffalo broken leg syndrome' and you'll be fine ????