Explanation:

Let’s break it down:

- "Down and out" basically means someone is broke, without money or resources, often struggling just to get by.

- Option 1: Mad—No, being “down and out” isn’t about losing your mind.

- Option 2: Jealousy and Envy—Definitely not. Nobody’s jealous or envious here.

- Option 3: Futility—Not quite. While things might feel hopeless for someone down and out, the phrase is about lacking money, not just feeling pointless.

- Option 4: Without money—This hits the nail on the head. If someone’s down and out, they’re flat broke, possibly homeless, living tough.

That’s really all there is to it. Option 4 is the answer.