It’s simple, but let me explain as you seem to have misunderstood.
The OP feels income verification is intrusive and potentially illegal. It would help them to understand why LLs feel it necessary to verify income. You added a comment about bank statements providing proof of income. As you mentioned this reason alone (and also restricted it to just self-employed people for some reason I didn’t comment on), I added a comment that this isn’t the only reason why LLs request bank statements so that the OP would realise there were other reasons. You then erroneously commented that you had stated multiple reasons. I responded to point out why you had not actually stated what I’d said in your post, clearly quoting you to help you understand why I was commenting, and then illustrated several other reasons. For some reason, you felt it so important to state that you are a LL that you added three exclamation marks. I know you’re a LL because of your earlier comments, and that’s why I feel you would do well to give a broader illustration of why LLs request bank statements in addition to simple income verification so that the OP would appreciate why such an intrusion might be necessary.
Hopefully that’s cleared up your confusion over my responses, but feel free to ask if you need further clarification.