COMMENTARY on 4:72
A. Yusuf Ali:

Translation:
There are certainly among you men who would tarry behind: 589 If a misfortune befalls you, they say: "(Allah) did favour us in that we were not present among them."
Commentary:

589  The doubter detaches himself in thought and action from the community. If the general body has a reverse, he blesses Allah that he was not among them, instead of being ashamed of himself for desertion. If the general body wins a success, he does not rejoice from the common cause, but only regrets for himself that he was not there to share in the glory and the gains!