Even in the real world, when you apply for a non-collateral loan where they only check your capacity to pay and your character, both still have to match. You need to pass the character investigation. If you fail that part, your loan gets denied right away.

Same with job applications. You might have a strong resume and you might be technically capable, but if your character is bad you can’t work with a team, you always think you’re right, you look down on people instead of helping them learn, and your criticism is destructive instead of constructive, that becomes a problem. You become a risk to the business, because one wrong move from someone who’s part of the team can still cause financial issues, even in an indirect way.