﴿ لَا يَسْتَـْٔذِنُكَ ٱلَّذِينَ يُؤْمِنُونَ بِٱللَّهِ وَٱلْيَوْمِ ٱلْءَاخِرِ أَن يُجَٰهِدُوا۟ بِأَمْوَٰلِهِمْ وَأَنفُسِهِمْ ۗ وَٱللَّهُ عَلِيمٌۢ بِٱلْمُتَّقِينَ ﴾

“Those who [truly] believe in God and the Last Day do not ask thee for exemption from struggling with their possessions and their lives [in God's cause]-and God has full knowledge as to who is conscious of Him-:”

In the second (44) and third (45) verses given there was the difference between believers and hypocrites. Those who believe in Allah Ta` ala truly and staunchly do not pick an occasion like that only to seek desertion from Jihad just for the sake of love for their lives and wealth and go about asking the permission of their prophet to stay back. In fact, this is the behavior of only those who do not believe in Allah and the Day of Judgment (Akhirah), truly and correctly - and, as for Allah, He knows the God-fearing perfectly well.