Are We Spiritually Bankrupt?

In the book, "The School of Charity" (1934), Evelyn Underhill made the observation that we are spiritually bankrupt when we do not love as we are called to love. "If we do not at least try to manifest something of Creative Charity in our dealings with life, whether by action, thought, or prayer, and do it at our own cost--if we roll up the talent of love in the nice white napkin of piety and put it safely out of the way, sorry that the world is so hungry and thirsty, so sick and so fettered, and leave it at that: then, even that little talent may be taken from us. We may discover at the crucial moment that we are spiritually bankrupt."