The United Kingdom immigration system is not a single rulebook. Read in full, it is sixteen Acts of Parliament, a body of Rules running to more than thirty appendices, a Statement of Changes process that rewrites those Rules several times a year, a parallel collection of caseworker guidance published and withdrawn continuously by the Home Office, and a living stream of case-law from the First-tier Tribunal to the Supreme Court.
Behind any one application sits all of it.
Most refusals turn on provisions the applicant never read. Many of those provisions were not in force a year ago. Several were introduced in Parliament in the past six months and have not yet been the subject of a single decided case.