﴿ وَإِنَّ مِنكُمْ لَمَن لَّيُبَطِّئَنَّ فَإِنْ أَصَٰبَتْكُم مُّصِيبَةٌۭ قَالَ قَدْ أَنْعَمَ ٱللَّهُ عَلَىَّ إِذْ لَمْ أَكُن مَّعَهُمْ شَهِيدًۭا ﴾

“And, behold, there are indeed among you such as would lag behind, and then, if calamity befalls you, say, "God has bestowed His favour upon me in that I did not accompany them."”

Verily there are some of you who tarry who indeed hesitate to join the fighting such as ‘Abd Allāh b. Ubayy the hypocrite and his companions — counting him the one who tarries as one of them the Muslims is from the perspective of outward appearances — the lām in the verb la-yubatti’anna ‘verily … who tarry’ is for oaths; then if an affliction befalls you such as slaughter or defeat he says ‘God has been gracious to me for I was not a witness with them’ present at the fighting lest I should be hurt.