Curse or test

Question:

Up to the year 1981 I only pray, sunnah prayer, twice a year : on the first of Syawwal and the tenth of Dzulhijjah. I was at the peak of my career. Then a hidayah came down, and I decided to do shalat fardhu. A few days later, the neighbors invite an ustadz to give sohbet. And he discussed the first ayat of al Ankabut. At that instant it came down to me that I will be tested. My business is declining and eventually the company went bankrupt. And since then, every time I work together as an employer or as a partner in a company or with individuals, they became bankrupt, and even some partner went to jail. Up to now. The result I have no retirement income/plan. Question : is this a curse or just ordinary test? How can I get out of this predicament?

Answer:
There is no curse but you need to make up all the fard prayers you missed.
Hajj Gibril Haddad

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