I made a conscious decision not to get bogged down with stuuff when I first came to Thailand. There are several advantages. Cost is the main one.
Eventually I purchased a mountain bike. Cheaper than a gym subscription over time.
The I bought a truck.
Once you start accumulating stuff with a value, that is hard to leave behind, you are screwed. I was definitely happier when I had fock all.
Not being into native practices, I lived a relatively western lifestyle for reasonable costs. I think Bt30k is a bit of a hindrance, when it comes to enjoying a bearable existence. 40 or 50k is much better for peace of mind. Being uncluttered is a huge advantage if bad shit happens with little warning.
In a country not noted for consistent or fair rulings, you need a way out, without incurring too much loss.