Ch. 81Financial Loans
Chapter Summary: “Financial Loans”
Key Plot Points and Events
- Class One receives coordinates to an unclaimed Divine Kingdom belonging to a godless civilization. Since it has no divine ruler, students can explore it with relatively little danger, though its harsh environment may endanger their believers.
- After scouting the kingdom and discovering its abundant vitality and resources, the students become excited and begin forming exploration teams.
- The class divides into two major factions:
Luo Bing’s team
Li Tianheng’s team
The two are natural rivals because only the top-ranked student will receive the school’s reward.
- Smaller groups also form, while Yang Fan is left alone. Despite being powerful and a Second-Grade Genius of the Luo Family, he receives no invitation, not even from Luo Bing.
- Yang Fan logs out and independently sends his consciousness into the Divine Kingdom. He asks Yang Yi to evaluate the best approach.
- Yang Yi advises three options:
- Join Luo Bing’s team, which would greatly improve exploration efficiency.
- Explore alone, though this would take 120 years merely to investigate the outskirts.
- Purchase an advanced exploration Artificial Lifeform, which would increase efficiency tenfold.
- Yang Fan investigates the recommended Fourth-Grade Exploration High-End Artificial Lifeform, but its price—10 billion Faith Points—is beyond his current means.
- Yang Yi suggests taking out a secured loan using the Enlightenment Stone as collateral.
- After rapidly negotiating with 103 loan companies, Yang Yi presents two offers:
- Jingxi Finance: 30 billion Faith Points at 20% monthly interest.
- Elephant Loans: 100 billion Faith Points at 10% monthly interest.
- Yang Yi warns that Elephant Loans may expect Yang Fan to default so they can seize the collateral, and recommends the safer Jingxi offer.
- Confident in his Evolution Talent and ability to generate resources, Yang Fan chooses the riskier option and authorizes a 100-billion-Faith-Point loan from Elephant Loans.
- The contract is signed, with interest calculated daily and the Enlightenment Stone forfeited if two consecutive months of interest go unpaid.
Character Developments
- Yang Fan demonstrates independence and resilience after being excluded by his classmates. Rather than seeking their approval, he immediately pursues his own strategy.
- His confidence and ambition become clearer when he chooses the much larger loan despite Yang Yi’s warning. He believes his Evolution Talent will allow him to repay the debt.
- Yang Yi proves extremely efficient and capable, negotiating with over a hundred companies in minutes. It also displays strong financial and strategic judgment by identifying the danger of Elephant Loans.
- Yang Fan becomes increasingly aware of the mysterious limitations surrounding Yang Yi, particularly its inability to detect his SSS-grade Talent or the unusual time flow within his Divine Kingdom.
Significant Themes
- Competition and factionalism: The students’ cooperation is shaped by rivalry, status, and the school’s reward system.
- Isolation versus self-reliance: Yang Fan’s exclusion emphasizes his outsider position but also pushes him toward independent growth.
- Risk and ambition: The loan decision highlights Yang Fan’s willingness to gamble heavily on his abilities and future potential.
- Technology and efficiency: Artificial Lifeforms have transformed administration, exploration, and strategic development, vastly surpassing human efficiency.
- Hidden power and secrecy: Yang Fan’s SSS-grade Talent remains undetectable even to Yang Yi, reinforcing the mystery and advantage surrounding his abilities.
Character Interactions
- Students negotiate with one another to join the major teams led by Luo Bing and Li Tianheng.
- Yang Fan consults Yang Yi about exploration strategy, artificial lifeforms, and financing.
- Yang Yi advises caution, recommending the smaller loan and warning that Elephant Loans may be predatory.
- Yang Fan overrides Yang Yi’s recommendation, confidently ordering it to accept the 100-billion loan, establishing his willingness to take calculated but dangerous risks.