Who is the one who is bankrupt

Muslim narrated from Abu Hurayrah that the Messenger of Allah, said:

“Do you know who is the one who is bankrupt?” They said, ‘The bankrupt is the one who has no money and no possessions.’ He said, ‘Among my Ummah, the one who is bankrupt is the one who will come on the Day of Resurrection with prayer and fasting and Zakah (to his credit), but he will come having insulted this one, slandered that one, consumed the wealth of this one and shed the blood of that one, and beaten that one. So they will all be given some of his Hasanaat(his credit), and when his hasanaat run out, before judgment is passed, some of their sins will be taken and cast onto him, then he will be cast into the Fire.'” (Muslim: 4/1998, Hadith no. 2581)