Yes, you get ripped off royally if you use foreign cards in ATMs - so why don't regular visitors get themselves a Thai bank account? - use a specialist outfit to transfer funds over at much better rates and then NO withdrawal fees - simples..
And who's worrying about the thickness of the bog paper? Those toilet hoses may make you jump the first time you use one, but they do a much better job - I've even got one installed in my UK home now..