I don’t think there is a fair and logical human made evaluation for visa applications. I think there are two possibilities that being conducted. If the applicant passes the preliminary check, like criminal, health, etc., 1) a random computer system chooses to approve or refuse an applicant, 2) a random official just looks at the profile and how the official feels determines the approval or refusal. So don’t try the judge or analyze the results of visa applications based on finance or other reasons explained by officials. Completely untrustworthy and inconsistent evaluation results.