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Can he refuse application by simply stating how you got money?
The ECO can refuse the application if the provenance of funds is unclear.
A typical phrase in a refusal letter would be
I am not satisfied you have demonstrated that your circumstances are as you claim and therefore I am not satisfied that you're travelling to the UK for the period and purpose you stated.
See
opening balance of my statement is 1.3 million which I collected by selling a car last year and it is my saving in my account
I expect you need to provide evidence of the sale. If the original acquisition of the car by you was not commensurate with your normal income, it may help to explain how this came about.
I should wirhdraw half million?
If you do anything just to make your bank statements look better to the ECO, she may conclude you are being deceptive - which is grounds for refusal.
Mysterious movements of large sums make your application more difficult to support.