Synopsis:
"Fellow Daoist, you wouldn't want to fail your tribulation, would you?"
After transmigrating into the cultivation world, Mo Bapi (struck out) Great Benefactor Mo gained the ability to issue "Merit Loan Contracts," and from then on embarked on a black-hearted path of cultivation: "growing rich by lending merit and becoming a saint through debt collection"!
His business creed:
Pay out nine, collect thirteen; interest calculated by the second!
Can't repay? Collateralize your body and work off the debt with your soul!
Dare to default? Heavenly tribulation collection, karmic fire at your service!
Customer feedback:
A certain Sword Immortal: "I borrowed 100 merit points to buy a Flying Sword. The interest snowballed until I couldn't repay it. The sword was gone, and I became his security guard..."
Demonic Saintess: "I originally wanted to take out a loan for revenge. Now the sect belongs to him, I belong to him, and even the spirit hound I raised belongs to him!"
Lord of Heavenly Secrets Pavilion: "I only borrowed a little life-saving money. Now every secret in the entire Heavenly Secrets Tower bears the Mo name!"
When the cultivator world united to hunt him down!
Great Benefactor Mo smiled faintly and pulled out a stack of contracts:
"Sword Master, the 'Startup Loan' you took out to launch the war between righteousness and evil has accrued enough principal and interest to amount to thirty spirit veins."
"Demon Lord, I have the title deed to your Devil Palace. How about... paying in installments?"
"Heavenly Dao? Oh, the merit you borrowed from me last time to repair the laws is due for settlement."
[Reading Notes]
The protagonist's worldview fluctuates with the interest rate, and his morality adjusts according to the contract.
Villains usually die because they can't repay their debts, rather than because they lose