Who the truly bankrupt are ?

بِسْــــــــــــــــــمِ اﷲِالرَّحْمَنِ اارَّحِيم

Narrated Abu Hurairah: The Messenger of Allah, peace be upon him, asked: 

“Do you know who the bankrupt are?” 

They said: “The one without money or goods is bankrupt.” 

So the Prophet said: “The bankrupt are those from my nation who come on the Day of Resurrection with prayer, fasting, and charity, but comes also insulting, slandering, consuming wealth, shedding blood, and beating others. 

They will each be given from his good deeds; if his good deeds run out before the score is settled, their bad deeds will be cast upon him, then he will be thrown into the Fire.”

 ( Sahih Muslim )

عَنْ أَبِي هُرَيْرَةَ، أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم قَالَ أَتَدْرُونَ مَا الْمُفْلِسُ

 ‏ قَالُوا الْمُفْلِسُ فِينَا مَنْ لاَ دِرْهَمَ لَهُ وَلاَ مَتَاعَ ‏.

‏ فَقَالَ ‏إِنَّ الْمُفْلِسَ مِنْ أُمَّتِي يَأْتِي يَوْمَ الْقِيَامَةِ بِصَلاَةٍ وَصِيَامٍ وَزَكَاةٍ وَيَأْتِي قَدْ شَتَمَ هَذَا وَقَذَفَ هَذَا وَأَكَلَ مَالَ هَذَا وَسَفَكَ دَمَ هَذَا وَضَرَبَ هَذَا فَيُعْطَى هَذَا مِنْ حَسَنَاتِهِ وَهَذَا مِنْ حَسَنَاتِهِ

 فَإِنْ فَنِيَتْ حَسَنَاتُهُ قَبْلَ أَنْ يُقْضَى مَا عَلَيْهِ أُخِذَ مِنْ خَطَايَاهُمْ فَطُرِحَتْ عَلَيْهِ ثُمَّ طُرِحَ فِي النَّارِ ‏‏