Transferes from your own bank account are a bad thing according to Atlas

I went into an atlas branch to apply for a loan. I apparently do not qualify because my affordability shows -R21000. This is the reason. I transfered a large amount of about R60 000 to my capitec account from my standard bank account. Most of that money i transfered because its simpler and safer that way. They now count those transfers as expenses on my side. How do you count it as expenses and not consider the amounts that came in. So according to Atlas it is better to withdraw that money and deposit it to the next person. They do not care about withdrawals bt transfers rather. You could have been buying something from someone with that money. Some could have transfered you that you pass that money to someone. At atlas that is bad and will hinder all your chances of getting a loan with them. Im dissapointed because i have always been loyal to them. We are being punished for using our own bank accounts to transfer money. I wonder who came with this stupid idea. Atlas you need accountants. Im sure you have none. A very unproffesional way of thinking. Not even big banks do this when they do your affordability. Its surely disappointing.