There are few instant disqualification issues in the security process and certainly not a scientific formula to adjudication.
The whole person really means everything we know about the person applying for a clearance or to continue their access,
One bankruptcy or one DUI is common. Many counselors for both have told me that most Americans are just a few paychecks or a drink away from either. The concern is continuing behavior.
A DUI every 10 years is a concern because it demonstrates the person has not developed responsible drinking habits and are a security risk.
Continuing the same behavior that caused your bankruptcy is concerning because, again, the irresponsible habit(s).
This applies to almost every issue. If a person has a disturbing the peace which was originally a domestic violence incident in 2000, another disturbing the peace which was originally a domestic violence incident in 2010, then a domestic violence charge in 2020, that person has a concerning domestic violence issue.
Not reporting foreign contacts, being cagey about being dishonest or trying to play the word game with your questionnaire, these are all concerning because if we caught you lying about those issues, what else are you lying about?
This is why the investigator digs into details during the Subject interview. This is why information outside of scope is often presented, to see if it applies to the whole person.
On the other hand, one DUI with successful completing all court requirements; marijuana use as a student last year; bankruptcy because of an unforeseen life event that has a rare chance of recurring; or a long past foreign association are rarely show stopping issues.
I hope this simple explanation of a complex process will help assure readers that the odds are not stacked against them.