In the name of Allah, Most Gracious, Most Merciful.
Abu Hurairah (May Allah be pleased with him) reported: The Messenger of Allah (May Allah exalt his mention and protect him from imperfection) said: “Do you know who is the bankrupt?” They said: “The bankrupt among us is one who has neither money with him nor any property”. He said, “The real bankrupt of my Ummah would be he who would come on the Day of Resurrection with Salat (Prayers), Saum (Fasting) and Sadaqah (Zakat and Charity). He comes having reviled others, brought calamity against others, unlawfully devoured the wealth of others, shed the blood of others and beat others; so his good deeds would be credited to the account of those (who suffered at his hand and tongue). If his good deeds are not enough to clear the account, their sins would be entered in his account and he would be thrown in the (Hell) Fire”. (Muslim)
Commentary:
Keep in mind that the bankrupt is a person who had money but then lost it. The bankrupt of the Ummah of The Messenger of Allah (May Allah exalt his mention and protect him from imperfection) is the one who had mountains of good deeds but lost them because of the bad treatment he had towards his fellow creation. Be very careful in how you treat others. You worked hard for your good deeds, don’t give them away. Imagine your good deeds being in the book of your victims (and they get the reward), and their bad deeds being in your own book (and you get the punishment).
Completing ones religious obligations (prayer, alms, fasting, and pilgrimage) is not sufficient so that Allah is pleased with us and is not sufficient in preventing us from going to Hell. What matters most is the real intention of our acts of devotion. If they are truly for Allah, they must prevent us from committing acts of injustice and immorality. But if these acts are for ostentation and to deceive others into getting favours, Allah rejects these acts because of the impurity of our souls. We continue to break all taboos towards Allah and man. This will lead directly to Hell despite our prayers, our alms, our fasting and pilgrimage.
This Hadith tells us that a Muslim has to take strict care in the performance of obligations like prescribed Salat, Zakat, etc, but he has to take similar care in his dealings, manners and morals. Salvation lies in the proper fulfillment of all these requirements. Fulfillment of one at the cost of the other will not be sufficient for salvation.
Riyaadiss-Saliheen (The Meadows of the Righteous)
By Imam An Nawawi
Chapter 26, Page 77, No 218