Who is bankrupt according to Islam?

Understanding Bankruptcy in Islam

They stated that an individual who lacks money or possessions is considered bankrupt. However, the Prophet, salallahu alayhi wasalam, clarified that the true bankrupt among my community will be those who on the Day of Resurrection present their prayers, fasting, and charitable acts, yet also bear the weight of offenses such as insults, slander, misappropriating wealth, causing harm, and even beating others.