That's not the point. It's policy. (no dice)
I will never forget the time when the customs officer at Heathow almost didn't let me in the country (before I applied for asylum, travelling on home country passport, no visa needed) because was honest and told them that I had
- $200 in cash (but I had international ATM cards and credit cards to cover my 1 week stay (work related).
I told them that I work for a major investment bank, to no avail. The officer eventually budged after I showed them my return ticket.
I was very nicely dressed and had a confirmed reservation at a very nice hotel. They don't care.
Ironically, a friend of mine (US citizen) who is a grad student with no job, flew to London with less than $50 cash on her, walked pass the UK immigation with her US passport and got stamped, no questions asked. How dumb is that?
However : Be thankful that you do have to get a visa, because in a way, I was told that it is VERY difficult for the immigration officers in the UK to refuse you entry once you have a visa to enter the country. If you are a good person with no criminal history, they will let you in.