delinquent

This term carries a heavy legal and administrative weight. When applied to finances, it describes a cold, objective failure to meet a contractual obligation, often triggering penalties or collections. It is a formal designation used by banks and government agencies rather than a casual description of being broke. When applied to people, specifically juveniles, it suggests a pattern of behavioral deviation from social norms. It implies a state of being "off track" or failing to meet the expectations of citizenship. While "criminal" is a broad legal category, "delinquent" specifically evokes the image of a youth who is wayward or rebellious.