Continuation of the answer to the previous question?

The Shaykh : And the debt he owed is not deducted from it. According to the second opinion: he pays zakah on fifty thousand, and deducts the amount of the debt he owes. There is another opinion, or rather a third opinion, which states that debts are not deducted from visible wealth, but they are deducted from hidden wealth. Visible wealth refers to livestock and what comes out of the ground, such as grains and fruits. It says: the debt is not deducted from this. So, if a person has palm trees and fruit worth ten thousand riyals, and he has a debt of five thousand riyals, this debt is not deducted. It is obligatory for him to pay zakah on the entire fruit. Likewise, if he has one hundred camels and a debt that covers fifty camels, it is obligatory for him to pay zakah on the entire hundred. The evidence for this opinion, which distinguishes between visible and hidden wealth, is that the Prophet (peace and blessings be upon him) used to send workers to collect zakah, and they would take it without asking for details: whether the owner had a debt or not. But as I told you, what is stronger in my view is that anyone who has wealth in his possession must pay its zakah, whether his financial status is free from debt or burdened by debt.
Yes, hidden wealth is gold, silver, and trade goods, because a person deals with these without them being visible to people. As for livestock, they are visible in the open, and fruits are visible on the trees, and crops are visible in the ground. Yes.