Lavishly Spending a Thousand Gold for Whatever I Please, the System's Loan Schemes Are Many

With a flicker of Xuan Wazi's thoughts, the pale blue light screen before him instantly switched. The attribute panel disappeared, replaced by a grander, more dazzling interface that seemed to contain endless treasures. Above the interface, four magnificent characters, imbued with the flow of Dao charm and immense power, shone brightly—[Myriad Realms Rare Treasures]!

Below the interface were meticulously detailed category tags, arranged in distinct tiers from lowest to highest:

[Mortal Curios], [Low-Grade Spirit Materials]

[Low-Grade Magic Tools], [High-Grade Magic Treasures]

[Acquired Spirit Materials], [Acquired Spiritual Treasure]

[Acquired Spiritual Root], [Acquired Supreme Treasure]

[Innate Spirit Materials], [Innate Spiritual Treasure]

[Innate Spiritual Root], [Innate Supreme Treasure]

[Chaos Spirit Materials], [Chaos Spiritual Treasure]

[Chaos Spiritual Root], [Chaos Supreme Treasure]

[Primordial Spirit Materials], [Primordial Spiritual Treasure]

[Primordial Spiritual Root], [Primordial Supreme Treasure]

[Dao Fragments], [Special Items]

[Cultivation Techniques and Divine Abilities], [Bloodline and Origin]...

In total, it encompassed almost every category Xuan Wazi could imagine, and even many he had never heard of. Each category seemed to hide a vast treasure trove.

"Hiss—" Xuan Wazi gasped. Even with his mid-stage Hunyuan Golden Immortal state of mind, he was stunned by the scale of this shop. "Brother System, your business scope is quite broad! You even have items from the mortal realm?"

[System Notification: Host, do not underestimate the mortal realm. A flower contains a world, a leaf contains Bodhi. Certain mortal items, in specific situations, might produce unexpected 'unconventional' effects. Of course, at your current level, it is recommended to focus on Innate and above categories.]

Xuan Wazi pouted. He didn't want to listen to its advice and, with a thought, first clicked on the [Acquired Spiritual Root] category, intending to browse from low to high.

The light screen refreshed, and countless icons immediately appeared:

[Ten-Year Vermilion Fruit]: 1 Point/Piece. (System Remark: Good taste, meager spiritual energy, suitable for feeding pets.)

[Hundred-Year Blood Ginseng]: 5 Points/Plant. (System Remark: Replenishes Qi and Blood, effective for those who have not yet become Immortals.)

[Thousand-Year Ganoderma]: 20 Points/Cap. (System Remark: Extends lifespan, can be used in low-grade pills.)

[Ten-Thousand-Year Yellow Middle Plum] (Acquired): 500 Points/Piece. (System Remark: This is an Acquired cultivated variant. Its efficacy is less than one ten-thousandth of the Innate version, but it can help mortals achieve the Earth Immortal fruit status instantly, making it the best choice for mass-producing cannon fodder... ah, no, grassroots personnel.)

Xuan Wazi's mouth twitched. He couldn't help but complain, You made me happy for nothing, only for it to be a knock-off. No wonder the price is so low. Fine, I won't look at this.

He then casually clicked on [Acquired Spiritual Treasure].

[Fine Iron Sword] (Low-Grade Acquired): 10 Points. (System Remark: Mortal divine weapon, cuts through iron like mud.)

[Demon Binding Rope] (Mid-Grade Acquired): 500 Points. (System Remark: Can bind demonic beasts below True Immortal.)

[Eight Trigrams Mirror] (High-Grade Acquired): 2000 Points. (System Remark: Wards off evil, suppresses luck, essential for home travel.)

[Nine Dragon Divine Fire Cover] (Imitation, Acquired Supreme Treasure): 50,000 Points. (System Remark: Its power is less than one ten-thousandth of the original, but it is more than enough to trap and kill ordinary Grand Unity Golden Immortals.)

"Nothing interesting," Xuan Wazi shook his head. These Acquired items were like chicken ribs to him. He directly skipped to the [Innate Spiritual Root] category.

The items here were much more pleasing to his eye:

[Low-Grade Innate Spiritual Root: Clear Heart Bamboo]: 80,000 Points. (Can calm the mind, dispel inner demons. The bamboo shoots are edible, and their profound uses are not to be told to outsiders.)

[Mid-Grade Innate Spiritual Root: Wind-Thunder Immortal Apricot]: 250,000 Points. (Contains the laws of wind and thunder. Eating it allows one to control wind and thunder, achieving True Immortal status in one step.)

[High-Grade Innate Spiritual Root: Star Fruit Tree]: 1,200,000 Points. (Bears fruit by absorbing the power of the stars. The fruit contains the origin of stars, beneficial even to Grand Unity Golden Immortals.)

[Top-Grade Innate Spiritual Root: Innate Ren Water Flat Peach] (Mother Tree): 8,000,000 Points! (System Remark: Note, this is the mother tree, not a branch! It ripens every three thousand, six thousand, and nine thousand years, with different effects. It possesses the complete Innate Ren Water origin and can suppress destiny! Host's points are insufficient, please continue to strive to be 'unconventional'!)

Looking at the string of zeros behind the Flat Peach Mother Tree, Xuan Wazi stroked his chin. Then, glancing at his own over 1.4 million points, he felt for the first time that he... wasn't quite so wealthy.

"Tsk, even Top-Grade Innate Spiritual Roots are this expensive. How much would Innate Supreme Treasures cost?" he muttered, and clicked on the [Innate Spiritual Treasure] category.

As expected, the prices were even more astonishing:

[Low-Grade Innate Spiritual Treasure: Immortal Binding Rope]: 150,000 Points.

[Mid-Grade Innate Spiritual Treasure: Soul Slaying Banner]: 600,000 Points.

[High-Grade Innate Spiritual Treasure: Qiankun Diagram]: 3,500,000 Points.

[Top-Grade Innate Spiritual Treasure: River Diagram and Luo Script]: 15,000,000 Points! (System Remark: A supreme tool for deducing heavenly secrets and setting up formations to trap enemies!)

[Innate Supreme Treasure: Taiji Diagram]: 100,000,000 Points! (System Remark: Calms earth, water, fire, and wind; transforms yin and yang, the five elements; separates the mysteries of the Heavenly Dao; encompasses all phenomena! Host, please look up in awe!)

Xuan Wazi: "..." He silently closed the Innate Spiritual Treasure interface, feeling that his points were only enough to buy a few mid to low-grade spiritual treasures, and immediately lost interest. He already had the Chaos Bead, so these spiritual treasures held greatly reduced appeal for him, unless they had particularly unique functions.

He then browsed higher-tier categories like [Chaos Spirit Materials] and [Chaos Spiritual Treasure]. The prices there, often in the hundreds of millions, billions, or even displaying numbers that couldn't be shown (only "???"), completely extinguished his current desire to purchase.

"I'll look at some practical or rare and exotic items instead." He turned his gaze to the [Special Items] and [Cultivation Techniques and Divine Abilities] categories.

The [Special Items] category was a motley assortment:

[One-Time: Dao Shielding Talisman] (Duration: One Breath): 500,000 Points. (System Remark: Shields Dao perception for one breath, can be used for escaping after certain extreme self-destructive... ahem, extreme maneuvers.)

[Innate Formation Dao Enlightenment (Complete)]: 1,800,000 Points. (Can directly elevate the host's Formation Dao cultivation to the level of an Innate Grandmaster.)

[Pangu Jade Marrow] (One Drop): 5,000,000 Points. (Milder than essence blood, easier to absorb, can strengthen the physical body and Primordial Spirit.)

[World Seed] (Low-Tier): 8,000,000 points. (Can create the prototype of a small world within the body, with limited growth potential.)

[Primordial Violet Qi] (Ownerless): 999,999,999 points! (System Note: Freshly produced, Dao-certified, honest deal! Host, strive to be a scoundrel!)

Xuan Wazi's gaze lingered on the [Innate Formation Dao Enlightenment (Complete)] and [Pangu Jade Marrow] for a moment, feeling a flicker of interest. However, he first looked towards [Cultivation Techniques and Divine Abilities].

This section was truly all-encompassing, ranging from the most basic Qi Guiding Art to the legendary Primordial Creation Scripture, with prices varying drastically. He directly filtered for those that resonated with him.

[Nine Revolutions Profound Art (Complete Edition)] (Can directly reach Primordial Grand Unity Golden Immortal): 4,000,000 points.

[Great Dao of Strength Fragment] (Additional): 2,000,000 points/fragment.

[Time Dao Introductory Enlightenment]: 3,500,000 points.

[Chaos Alchemy Technique (Full Text)]: 1,200,000 points.

[Great Zhou Heavenly Star Array Detailed Explanation (Not original, system-optimized version)]: 6,000,000 points.

[Divine Ability: Self-Transformation into Freedom]: 10,000,000 points! (System Note: Evolve into other bodies, free and formless, with infinite uses, a life-saving ultimate skill!)

After browsing, Xuan Wazi had a plan. His over 1.4 million points, while seemingly substantial, still felt inadequate when faced with high-grade treasures.

"The Nine Revolutions Primordial Profound Art is sufficient for now. I prefer to comprehend the Great Dao of Strength fragments myself. The Time Dao can wait..." he mused, "However, this Formation Dao enlightenment and the alchemy technique are quite practical. Moreover, I need to keep some points in reserve in case an urgent mission requires the exchange of specific items..."

Finally, he made his decision.

"Brother System, purchase [Innate Formation Dao Enlightenment (Complete)]! And [Chaos Alchemy Technique (Full Text)]!"

[Ding! Purchase successful! Consumed 'Scoundrel' points: 1,800,000 + 1,200,000 = 3,000,000 points!]

[Remaining 'Scoundrel' points: 1,442,157 - 3,000,000 = -1,557,843 points?]

"Wait! Negative?!" Xuan Wazi was stunned.

[System Prompt: Detected host's first large-scale expenditure, with good credit (outstanding 'scoundrel' performance), a temporary credit line of 2,000,000 points has been activated. Current debt: 1,557,843 - 2,000,000 = 442,157 points (already recorded as debt). Please expedite 'scoundrel' actions to earn points and clear the debt as soon as possible, otherwise interest will accrue (0.05% daily interest)!]

Xuan Wazi: "...Brother System, you're offering loans now? And this interest rate is even blacker than loan sharks!"

[System's calm reply: This system provides comprehensive services to meet all your needs. Host, keep up the good work causing trouble, strive to repay your debt soon, and reach a more glorious peak of scoundreldom!]

Looking at his points instantly shrink and turn negative, and the surge of profound formation knowledge and esoteric alchemy information flowing into his mind, Xuan Wazi's feelings were complex. On one hand, he felt the sting of losing points (and the impending interest), while on the other, he was filled with anticipation for the two skills he had just acquired.

"It seems I need to find a way to stir up some trouble quickly to fill this hole..." He stroked his chin, his gaze drifting towards Mount Buzhou, as if pondering which unlucky soul... ah, no, which fated individual, could help him recover his points quickly?