and even spilled the blood of another—meaning that he wronged people in every possible way. On that Day the victims will insist on reclaiming their rights; whatever they failed to obtain in this world they will surely take in the Hereafter. Retribution will then be taken from him: this person will receive from his good deeds, and that person from his good deeds, and yet another from his good deeds—perfect, equitable justice. When his good deeds are depleted, their sins will be transferred to him, placed upon his shoulders, and he will be cast into the Fire—may Allah protect us.
All his good deeds will be used up: the reward for his prayer gone, the reward for his zakah gone, the reward for his fasting gone—every righteous act he possessed will vanish. Their sins will then be assigned to him, and he will be flung into the Fire; we seek Allah’s refuge.
The Prophet, peace and blessings be upon him, spoke the truth: this is the real bankrupt person. As for worldly bankruptcy, the world comes and goes; a man may be poor this evening and wealthy tomorrow, or the opposite. Total bankruptcy, however, is for a person to lose the good deeds for which he labored, to see them before him on the Day of Resurrection, only for them to be taken away and handed to so-and-so and so-and-so.
This ḥadīth therefore warns against aggressing upon other people and teaches that one must fulfill others’ rights during his lifetime, so that any requital occurs in this world where he can bear it. In the Hereafter there will be neither dirham nor dinar with which to ransom oneself—only good deeds. The Messenger of Allah, peace and blessings be upon him, said: “So this person will take from his good deeds, and that person from his good deeds; and when his good deeds are exhausted, their sins will be transferred to him, then he will be hurled into the Fire.”
Yet this ḥadīth does not mean that he will remain in the Fire forever. He will be punished only to the extent of the sins of others that were placed upon him, after which his final destination is Paradise, for a believer is not condemned to eternal Fire. Still, the Fire is unbearably hot—no one can endure—