Hello Milan, and a very warm welcome to the forum. My wife's application to come to the UK was, ultimately, fairly straightforward [though I have to admit that, being a retired person with limited means, I was fearful that my lack of wherewithal might lead to a denial; luckily, however, the maturity of a long-standing life assurance policy at the 11th hour undoubtedly swayed things in our favour].

So yes, one's financial capacity to support an applicant DOES, unfortunately, seem to be 'the name of the game' as Mrs Major's post implies.

Sorry I'm not in a position to offer more constructive advice to people in YOUR particular situation but, it's heartening to read the responses already posted by others better qualified than me to offer the assistance needed.

All the very best with your appeal, mate.