وَإِنَّ مِنكُمْ لَمَن لَّيُبَطِّئَنَّ فَإِنْ أَصَٰبَتْكُم مُّصِيبَةٌۭ قَالَ قَدْ أَنْعَمَ ٱللَّهُ عَلَىَّ إِذْ لَمْ أَكُن مَّعَهُمْ شَهِيدًۭا
Wa inna minkum lamal la yubatti'anna fa in asaabatkum museebatun qaala qad an'amal laahu 'alaiya iz lam akum ma'ahum shaheeda
And indeed, there is among you he who lingers behind; and if disaster strikes you, he says, "Allah has favored me in that I was not present with them."

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Tafsir

79%57%53%Al-JalalaynIbn AbbasIbn Kathir
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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.

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About Quran 4:72