VV are a Mystery, as you've said, you can have all the assets and evidence possible and still be refused, and someone else has less assets or evidence, and yet they are approved. the fact is many are refused, thats why most people on here don't recommend a VV. I'm sure they just pick a few at random and reject the rest
case workers can be sneaky sometimes, part of a post from another forum, where a chinese gal was applying for a VV to see her british B/F.
'At the time of your student visa application in February 2008, you stated that you were married and that your family in Mongolia would fund your studies. You did not explain at the time of that application, that you had a British boyfriend and whilst there wasn't a direct question on the application form relating to that, I consider that it could have easily been mentioned in section 7, which you made use of for additional information. You have not explained in this application why you chose not to declare your relationship in your previous application and I consider it to undermine the credibility of your application as a whole'
if they want to refuse you, they will find a reason, this was one of the reasons given why the VV was refused
, so becareful what you put and don't put in your VV app