Everyone's Finance

Amidst the continuous mechanical sounds, the humanoid avatar with a computer on its head drew ever closer.

Its speed seems to have no limit.

At least, the car's four wheels are no match for the double's two legs.

"Give me back my money, give me back my money, give me back my money!"

The noise continued incessantly, making Li Qing feel increasingly irritated.

"Holy crap! What the hell is that?"

He exclaimed in astonishment, "Where did it come from? When did I borrow money from it?"

"Old man, it must be that old man!"

Bucciarati suddenly realized what was happening.

He couldn't help but think of Polpo's Black Sabbath, who could hunt down people from afar, and then, considering his current predicament:

"No wonder that old man didn't make a sound from the beginning; it turns out his Stand was a rare type of remote-controlled, automatic Stand."

"Once a certain condition is triggered, this stand will automatically hunt down the target."

"But judging from the current situation..."

"The trigger condition is 'borrowing money'."

"That's right, we did take what belonged to Fabio —he let us borrow his car and gun so that we would trigger the conditions for his double to hunt us down!"

The facts are just as Bucciarati explained.

"Give me my money back! Give me my money back!"

Shouting slogans demanding repayment, the muscular man with a computer on his head charged forward menacingly.

The car's rear metal sheet was dented by its punch, causing the car to suddenly shudder violently at high speed.

Damn it!

Li Qing finally managed to steady the steering wheel, then hurriedly yelled at his companions:

"Narancia, Mista, smash this weirdo to pieces!"

"Yes!"

As ranged damage dealers in the team, Narancia and Mista immediately summoned their substitutes.

The Aerosmith hovered in mid-air, then in an instant turned its nose and unleashed a dense barrage of micro-bullets at the "computer man" that had already clung to the rear of the vehicle.

But the strange humanoid stand-in was completely unaffected.

Not only did it not try to dodge the bullets, it even actively went towards the hail of bullets.

The bullet hit it like a mud ox entering the sea, merely creating a ripple on its skin before disappearing silently into its body.

"Trash, trash"

"No recycling value, repayment failed."

The next second, these bullets were spat out of the "computer man's" body again.

"What?"

Seeing that Aerosmith had returned empty-handed, Mista couldn't help but feel a chill.

However, as a test, he pulled the trigger and fired the bullet.

The "computer man" remains unharmed.

However, unlike the bullets that Aerosmith conjured with his mental energy, Mista used real bullets, and the resulting reaction was slightly different from before:

"Brass bullets, recyclable."

"Repayment successful, valued at 0.1 yuan".

The bullet was swallowed, and a message even appeared on the computer screen in a rather humane way:

"Payment has been made, 0.1 yuan."

(The Italy currency in 1999 was the Italian Lira. For ease of understanding, it will be written as RMB from now on.)

The subtitles flashed by.

The "computer man's" pursuit continues.

It clung tightly to the trunk of the car, frantically tearing at the metal sheeting at the rear.

"Ahh!"

Mista shouted in a frantic voice:

"The bullets are completely useless against it! What should we do?"

"That guy seems completely immune to injury!"

"Hey, hey."

He suddenly remembered something. "Li Qing, wasn't this guy supposed to be collecting a debt from us?"

"If it wants it, then we'll give the car and the gun back to it!"

"This"

Li Qing hesitated for a moment.

Then he turned the steering wheel all the way, pressed the clutch hard, shifted into gear and pressed the accelerator hard, released the clutch and turned the steering wheel all the way again, making the high-speed car do a 180-degree U-turn and drift on the winding mountain road.

"Go back and kill that old man—"

"Why should I return what I borrowed through my own abilities?"

The engine was roaring wildly.

Sparks flew from the tires scraping against the ground.

The car began to speed towards the villa in the woods, which was not far away, at a speed far exceeding the speed it had come from.

The "computer man" tore open the car's metal sheet with his hands, smashed the rear window, and pounced on the people inside like a hungry wolf breaking into a sheepfold.

"Gold Experience! Steel Chain Fingers!"

Two melee-type Stands appeared in front of them and threw Riot Games at the menacing "computer man".

However, this still had no effect.

It was as if it didn't exist in this world at all; the Riot Games from the Gold Experience and the Steel Chain Fingers struck it as if they hit thin air, passing right through it without any effect.

This is a ghost, a ghost that even a stand-in cannot touch.

However, it can still touch real objects.

"Trash, trash"

"No recycling value, repayment failed."

It swallowed the shards of glass, then dumped them out.

Then, the "computer man" began to move further into the car, almost touching Giorno and the others' real bodies.

"Arrive!"

Li Qing stopped the car in time.

In just a dozen seconds, he had covered the distance that had taken him half a minute to travel and driven the car back to the villa in the woods.

Everyone scrambled to get off the bus.

The culprit behind all this, the old man named Fabio, now stands brazenly at the villa's entrance, looking at them with a mocking expression:

"Oh, you're back?"

"You bastard!"

Without saying a word, Li Qing raised his hand and unleashed a Sonically Enhanced Wave at the old man.

However, before the white ball of light could fly very far, it was blocked by a "computer-generated" figure that appeared in front of it in an instant.

"There's one more?!"

Li Qing's pupils contracted involuntarily.

He looked at the "computer man" that had climbed out of the car behind him, and the "computer man" that had suddenly appeared in front of him, and his expression couldn't help but show some surprise.

Are you referring to these 'thugs'?

"We can have as many as you want—if you keep refusing to pay back the money, their numbers will eventually become so large that you'll despair."

Fabio shrugged and said with a smile.

"Hateful!"

Unconvinced, Li Qing pulled out his pistol and fired three shots at Fabio.

But before the bullet could travel very far, it was blocked by a "computer-generated" being that appeared instantly.

"Brass bullets, recyclable."

"Repayment successful, valued at 0.3 yuan".

The bullet was swallowed whole without a sound.

Meanwhile, the three "computer characters" shouted "Give me back my money! Give me back my money!" as they menacingly surrounded Li Qing from three directions.

"Don't try to attack your creditors."

Fabio said calmly.

As he spoke, he even pulled a chair out from behind the door and then calmly sat down at the entrance of the villa.

As if enjoying a good show, Fabio's tone carried a very obvious sense of satisfaction:

"As long as the money isn't paid back, you'll never be able to attack me."

"Moreover, debts don't disappear with death. Even if I suddenly die for some reason, my doppelganger will continue to hunt you down to the ends of the earth—until you are killed or the debt is paid off."

"This"

Li Qing's face was extremely pale.

He didn't know if Fabio was telling the truth or not, but after witnessing the appalling sight of the "computer man" multiplying out of thin air, he really didn't dare to mess with the other party anymore.

"Hehe."

Fabio smiled calmly:

"Actually, I am an insurance agent."

"If Samson succeeds, I'll be responsible for driving him back."

"If he fails, I'll set a trap for you here—you'll definitely need a car after you encounter that Explosion Maniac."

"As expected, you've fallen for it."

"You petty thugs still managed to forcibly 'borrow' something from me."

"I'll pay you back!" Li Qing reluctantly admitted defeat.

He lowered the muzzle of his gun and tentatively said, "If I return the car and the gun to you, will that settle your debt?"

"Pay it off?"

Fabio curled his lip and sneered:

"I told you long ago, Fabio's things aren't so easy to take."

"You received help from me, so of course I have to charge you interest—"

"For example, the car and the handgun are worth about $100,000 combined, and the fixed interest on my double's services is 10%, so you have to pay it back."

"Something worth 110,000?" Li Qing blurted out.

"No."

Fabio smiled:

"The 10% I'm talking about is 10% per second—note that this is the kind of loan with compound interest."

"And 50 seconds have passed since you took out the loan."

"50 seconds. 10% interest per second, and it's compound interest!"

Li Qing instinctively sensed something was wrong. "How much money is it?"

This math problem is a bit difficult. Not only is Narancia completely baffled, but even Fugo can't figure it out for the time being.

"1.1 to the power of 50 is about 117 times."

Fabio shrugged and generously gave the answer:

"If you can produce something worth 11.7 million, you won't have to die."

PS: Substitute panel.

Alternate name: "Everyone's Finance -to-Peer"

The original body— Fabio del Bruni

Destructive power:?

Speed:?

Range: ∞

Endurance: ∞

Motion precision: A

Growth potential: A

Abilities: Appearance: A muscular man whose head is a computer monitor.

It cannot be summoned normally, and only appears 30 seconds after Fabio's belongings are taken.

It relentlessly hunts down debtors, invulnerable and unkillable, and its speed, strength, and even numbers increase over time. "Everyone's Finance" will only disappear when the debtor dies or the loan is repaid.

The principal amount depends on the value of the stolen property, with a fixed interest rate of 10% per second, compounded annually.