Where are you physically located? You state you plan to cover yourself using your savings, but the embassy will see that your bank didn’t have much savings more than the last few months. Crypto and gold won’t be sufficient evidence
Are you Pakistani? If so, it will probably take 45+ days for review. From the few others on here who applied via Islamabad, I believe they all were rejected.
Anonymous participant - Ok, just making sure, since there is also a consulate in HCMC. If you were in the southern half of the country, you would have needed to apply via them. But it sounds like this isn’t why you are rejected.