قِيلَ وَقَالَ literally alludes to “it was said; he said,” and here warns against idle hearsay, rumors, and unhelpful argument. كَثْرَةَ السُّؤَالِ cautions against excessive, unwarranted asking or questioning; it does not forbid sincere questions necessary for learning.
إِضَاعَةَ الْمَالِ means wasting resources, whereas meeting genuine needs is not itself wasteful.
Example 1: Do not circulate an unverified rumor.
Example 2: Ask a teacher about a difficult passage sincerely; useful inquiry is different from futile questioning.
Example 3: Plan expenses according to means and distinguish needs from wasteful display.
كَثْرَةَ and إِضَاعَةَ are verbal nouns completed through iḍāfah with السُّؤَالِ and الْمَالِ.