The Prophet described different types of people who will be bankrupt on the Day of Judgment, despite coming with prayers and charity. This includes those who insult others, consume wealth unjustly, shed blood, beat people, and transgress Allah's limits when alone. Their good deeds will be taken to repay their victims, and any remaining sins will be cast back on them, leading to hellfire. True believers must avoid backbiting, slandering, consuming wealth unjustly, and harming others to avoid this fate.