What happens if a soul does not have money to pay the ferryman?

Could you elaborate on what happens when an individual, let's say a soul, finds themselves unable to provide the necessary funds to pay the ferryman? In the realm of mythology and folklore, the ferryman often serves as a gatekeeper, transporting souls across a significant threshold, such as a river separating life and death. If a soul lacks the means to pay this toll, does it mean they are doomed to remain on one side indefinitely? Are there alternative methods or consequences that come into play in such a scenario?