Understanding and application

If you owe someone money, does saying جَزَاكَ اللَّهُ خَيْرًا discharge the debt?

Salawat, Mosque Service, Good Character, and the Trust of Knowledge (Hadith 206–213)

• The debt is always erased
• The prayer is good, but repayment is still due
• The lender becomes blameworthy
• The prayer is valid only with cash