Is one who intended to perform Hajj sinful if unable to go due to delayed disbursement of their financial entitlements, despite having a substitute at work and a bank balance in another country?

Hajj is obligatory for the able Muslim, and one is not required to borrow money to perform it unless there is an ability to repay the debt. If the capability or the necessary travel arrangements are not available, there is no sin. Hajj is obligatory immediately according to most scholars, and it is not permissible to deposit money in an interest-based bank except out of dire necessity, such as fear of losing the money and the unavailability of an Islamic bank.