account bank bankrupt bankruptcy budget business card credit credit-card cut debit debt destroy finance money pay payment plastic scissors 3D backdrop background banks blue cash cashpoint chip concept credit card debts graphics grey John poor render rich shop shopping terminal value wealth banking betaalkaart betaalpas buy buyer consumer debit card digital electronic electronic money financial fraud nfc sale sell transaction pin apartment apartments architecture Asia balcony block blocks building cement city concrete condo condominum construction credit crunch crisis Hong Kong house lifestyle living Manhattan New York penthouse real estate Spain urban wallpaper windows cashflow crunch difficulty global market pressure problem squeeze worldwide brown isolated leather valuables wallet