Suppose there is a guy name Elon, he is so rich then someday he go out buy some coffee, the coffee cost him 7 dollar, but this guy Elon has only 5 dollar in his pocket
Elon then ask can I pay with credit card the coffee seller say nope
Elon then ask can I go to ATM and withdraw some money the coffee seller say nope
Then Elon receive a call from his Evil Bank Manager
"Hello Elon, we receive a complaint you don't have enough money, so as for right now we declare you're bankrupt, that's all have a nice day"

bankruptcy law in this game is amazing lol