Where tawakkul sits in the sentence

The clearest statement of the order is in one verse about consultation. Consult them in the matter, and when you have decided, then rely upon Allah.

Look at the sequence. Consultation. Then a decision. Then reliance. Tawakkul is placed after the deliberating and the deciding, not instead of them.

So taking advice is not a failure of trust. Getting the actual figures is not a failure of trust. Speaking to a debt adviser is not a failure of trust, any more than seeing a doctor is.

Nobody in this tradition ever said that reliance means doing nothing. That reading is not a text at all. It is an inference, and every text above cuts against it.