The Bankrupt One
Abu Hurayrah (radi Allahu anhu) reported that the Messenger of Allah (sal Allahu alaihi wa sallam) said, “Do you know who is the bankrupt?” They said: “The bankrupt among us is one who has neither money nor any property.” He said, “The real bankrupt of my Ummah would be he who would come on the Day of Resurrection with Salat, Saum and Sadaqah, (but he will find himself bankrupt on that day as he will have exhausted the good deeds) because he reviled others, salndered 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). If his good deeds fall short to clear the account, their sins would be entered in his account and he would be thrown in the (Hell) Fire.”
This Hadith tells us that a Muslim has to take strict care in the performance of obligations like prescribed Salat (prayers), 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.
And Allah Knows Best!