I gave up on trying to get a literal translation on some things and learn the phrases meanings. E G. Al cerca de and tengo que. Cerca google translates to near. So, "to the near of" makes cero sense. When i have time I scan the net for literal translations. I understand cerca is literally "side". Al cerca de works with this translation.
Would this more apply to ones bank account having no money? Like in english you can drop certain nouns like bank to refer to " my account has no money" and it still makes sense. Albiet a depressing moment of reality setting in as I decline the "pro version" offers for a reason
I know duolingo has awesome lingoisms. But I dont want to mistake something like the noun dropping spanish rule option by assuming it's like "the bear drinks beer" lingoism level.
If there's no money in my bank account, I'd say «No tengo dinero en la cuenta/en el banco». Literally, "I don't have money in the account/in the bank". So while the name dropping exists, it's not what is at play here.
This sentence would be useful to say that the bank, as an institution, is bankrupted. It doesn't have to mean no money at all, just not enough to stay afloat and credit its customers. On top of that, you have the alternative scenarios played with on this page: Western-style robbery, different kind of bank, etc.