It's all very well UKBA refusing a visit visa especially when they check your income knowing full well that you wouldn't qualify for a spouse visa or might not have the money at that time for one.
My wife had a visit visa turned down even though they said in the refusal letter that we may not qualify for spouse one on financial grounds either.
It's very wrong & you can appeal which my wife did but emailed the paperwork to me but she forgot to sign it & now I find there's a 28 day time limit for an appeal which is nowhere near long enough to send a form from philippines.
I since learned that as I have a disability allowance she could still qualify for the spouse one but we don't have the money atm.