penniless

Lacking even the smallest amount of money.

In societies without national insurance of any kind, almshouses are the last refuge of penniless people.

In a functioning digital economy, being cashless is far different from being penniless, because cash is merely one form of money; but some preppers hoard gold in case the system gets destroyed and cashlessness suddenly becomes pennilessness.

Of a country's system of money, abstaining from the use of penny coins, despite having fully decimalized currency, by means of rounding of cash transactions (but not necessarily of cashless ones).

Canada became a penniless country in 2013 simply by rounding its cash transactions to the nearest nickel but otherwise not changing anything.