My F1 US visa interview went wrong. Could you please suggest how to improve? [closed]

Below is my conversation with the Visa Officer (VO). I tried to recreate the conversation as best as I could remember. I have another appointment for the visa interview in a week. Please help me improve any aspect that I might have done wrong. Thanks a lot!

Me: Hello, Good Morning?
VO: Good Morning, pass the i20 and Passport please!
Me: Here you go.
VO: Georgia Institute of Technology! Personal Funds! So, how are you going to manage this much money?
Me: I have 134,000 dollars in my accounts. Moreover, my father can provide any further expenses that might occur.
VO: In which account?
Me: In multiple accounts.
VO: How did you get this much money?
Me: Well most of the money is from my mother's savings, that I got after she passed away from cancer 7 years ago, as I am the only child.
VO: How did your mother get this money? What did she do?
Me: Well most of the money is from mother's saving….
VO: Yeah, I know, but how did she get it?
Me: Well my mother used to run a private medical school, alongside my father, who is a government doctor and some of his colleagues. There, primary health care was taught to students who enrolled in the program…
VO: Typing for a while…..
Me: Waiting
VO: Typing…..
Me: Should I show you my account statements?
VO: uhmm.. No need.
Me: Okay...
VO: Typing…..
Me: waiting
Me: Can I add something?
VO: Go ahead.
Me: My father works as a government doctor. Presently he is posted as Assistant Director, for the Ministry of Health, Government of Bangladesh. He also has a private practice.
VO: Typing…
VO: Sir, … how did you get here today?
Me: By car.
VO: Is that your car? Do you own that car?
Me: No, I rented that car.
VO: Oh! You rented that car! Okay.
Me: dumbfounded
VO: Typing for a while again. Hands me the white leaflet. Sorry Sir, you do not qualify for the visa you have applied for. Have a good day!
Me: Thank you sir.