bez grosza in English:

I'm broke.

He broke down completely on hearing of his daughter's death.

I accidentally kicked a large rock and broke my toe.

I'd like to go with you, but I'm broke.

My car, which broke down yesterday, has not been repaired yet.

My friend broke up with his girlfriend and now he wants to go out with me.

Tom broke his right leg and was taken to hospital a few weeks before Christmas.

I had had my watch repaired, but it broke again.

I just lost at the races so I'm flat broke.

We talked and talked until the day broke.

As is often the case with her, she broke her promise.

An awning broke his fall and saved his life.

Tom has been avoiding me like the plague ever since he broke my glasses.

When I was in London last year, someone broke into my room and stole my wallet.

He fell down from the roof, and what made the matter worse, broke his leg.

His failure in business left him penniless.

I remember the days when I was a penniless young student.

The problem is that he is penniless.

She's not penniless.

a penniless beggar

He arrived in Warsaw as penniless 18 years old medical student from the provincial city in Podlasie.

She fell in love with a penniless artist.

... taking off— he was penniless.

For one thing, I'm penniless; for another, I don't have the time.

What about the people who run things like traditional B and Bs, or commercial car parks – or taxi services – things like that? Won't they be out of pocket?

In some cases, yes, people have been left out of pocket.