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Schengen VISA rejection

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I and my wife had booked a package through a travel agency .

It was for a europe tour and they( the travel agent ) had to apply to
the embassy, a multiple entry schengen visa with starting point as

The departure date was 28th and our VISA got rejected on 26th.

They send me the travel vouchers on 25th in which it shows that the flight bookings were confirmed on 21st

They also send me the briefing sheet ( please note , not the hotel
voucher ) on the 25th in which only the name of the hotels and dates are
there. There is nothing mentioned about the confirmation of hotels

Is there any chance that the VISA got rejected due to the negligence of the travel agency .

I need some experts opinion on this

The rejection reason on the letter issues by france embassy to me is

"you have not provided proof of sufficient means of subsistence, for the
duration of the intended stay or for the return to the country of
origin or residence of for the transit to a third country to which you
are certainly to be admitted, or you are not in a position to obtain
such means lawfully"

Now how do i know for which reason they have rejected?

1) were there not sufficent funds in my balance?

2) Did I not provide any proof of attachment to my country of origin like property , assets etc?

Is travel agent responsible for the mess as they were supposed to guide
me on this, becauseI had booked the complete package through them, i.e
VISA, travel, stay , sightseing everything.

I have send a appeal for the refusal , but I guess they will take ages to reply.

I would be very grateful if someone with knowledge about all this would advice me.

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