Here you are - those invited to spend in the cause of Allāh - but among you are those who withhold [out of greed]. And whoever withholds only withholds [benefit] from himself; and Allāh is the Free of need, while you are the needy. And if you turn away [i.e., refuse], He will replace you with another people; then they will not be the likes of you.
Here you are being called to spend a part of your wealth in Allah’s path, and you are not asked to spend all your wealth. Some of you desist from the required spending out of miserliness. Whoever is too miserly to spend a portion of his wealth in Allah’s path, is actually being miserly to his own detriment, as he is depriving himself of the reward of spending. Allah is the Self-sufficient Who is not in need of your spending. You are the ones in need of Him. If you turn back from Islam to disbelief, He will destroy you and bring a people besides you. Then they will not be like you, but they will be obedient to Him.