Q: What do you call a bankrupt Santa?

Q: What do you call a bankrupt Santa?
A: Saint Nickel-less.

This is another example of an aptronym and a pun, because Santa is often called Saint Nicholas, and Nickel-less sounds very similar to Nicholas. The reason why Nickel-less is a reasonable name for a bankrupt person is that it means that the person doesn't have a nickel (it is similar to penniless, which is a real word which means poor).