If one is able to perform Hajj but does not, is it a sin?

Question : If one is able to perform Hajj but delays it until he dies, is it a sin if he is young?

Answer : He does not perform Hajj if he is unable to, rather, he does not have the dirhams to perform Hajj with after paying his debts and his necessary needs, because Hajj has conditions, the most important of which is the ability to perform it, meaning that a person must be capable in terms of his body and his wealth. The capability in terms of wealth must be after paying what is obligatory, such as debts and others.
And based on this, we direct our Muslim brothers not to perform Hajj or 'Umrah while they have a debt, whether the owner of the debt gives them permission or not, because even if he gives them permission, the debt will remain in their liabilities. So if it will remain, there is no benefit in the permission, and in this situation, they should not be distressed in their hearts because they are free of blame, praise be to Allah. Yes. Praise be to Allah. Regarding the sin of delaying Hajj.
There is no difference between the debt being due immediately or deferred, even if it is assumed that he has a deferred debt that becomes due after a year and he has money now. If he spends it on Hajj, nothing will remain for the debt, and if he keeps it for the debt, he will not perform Hajj. So we say: keep it for the debt and do not perform Hajj, except if the person is confident, because if the debt becomes due, he will not have what to pay it with. Like a man who has a salary and has money in his hand with which he can perform Hajj, and he is confident that when the debt becomes due, he will be able to pay it off. In this case, we tell him it is obligatory for him