what is creative bankruptacy

It is something like health.when one gets old his talent start to get decrease(exceptions are there).nowadays we can see this on  one of our filmmaker sreenivasan.I think he face such creative bankruptcy.the result we can see in the latest release of his films.a lot of directors and writers face such problem.Maniratnam,priyadarshan,fazil,subash ghai,Ramesh sippy are the living examples of this phenomenon.But i think the people who stayed longest time without surrendering to intellectual bankruptcy is   our Director Joshi and IV sasi.both of them are active in the film filed.
This phenomenon is different from person to person.but talent like anything else dried up one day.not all can make super hit movies always or one cannot write classic stories always.it is the law of nature.