Why the Repayment Failed

Time passed second by second.

The computer operators, who haven't collected their debts, are closing in step by step.

Giorno

Li Qing asked somewhat helplessly:

What should we do next?

Although somewhat disheartened, he had to admit that his only chance of survival was to win by simply lying down and doing nothing.

The power of willpower has its limits. No matter how strong Li Qing's willpower is, he cannot conjure something worth tens of millions out of thin air.

At this moment, whether it was Li Qing, Bucciarati, or their other companions, they could only place their last hope on Giorno's "gold printing press".

"I"

Giorno, whose companions had high hopes for him, looked very serious.

Although he had sensed something was amiss, he was still unable to find the answer to that question:

Why did the repayment fail?

Whether it's the Julia Rose or the Panda, although it's difficult to determine their exact price, they are definitely valuable items.

That stand-in could even recycle the brass on bullets and the blood inside people at market price, so why would he discard these valuable items like trash?

These questions lingered in my mind, unanswered for a long time.

While Giorno was hesitating in this state of confusion, the computer beings launched another attack.

They are very fast and cannot be stopped by attacks.

In just a few breaths, these persistent phantoms clung to him like maggots clinging to a bone.

"Giorno!"

His companions called out Giorno's name with slight nervousness.

Faced with an enemy they could neither attack nor stop, all they could rely on now was their only companion who could bring them hope.

"Gold Experience!"

Giorno also doesn't have any other moves for the time being.

He could only try again to create a red dragon koi worth millions and tentatively throw it at the three computer figures that were tightly surrounding him.

These computer-controlled individuals are true "computer-controlled individuals" in the real sense; they only rigidly execute programs.

So as long as items are "fed", regardless of whether these items can be recycled to offset debts, they will stop moving and start to appraise and recycle the items.

This could give Giorno and the others a chance to catch their breath.

But at the same time, they also knew that such tricks were simply a case of drinking poison to quench thirst.

The longer the time is delayed, the stronger the enemy's Stand will become, and the more debt they accumulate.

If the problem is not addressed at its root, defeat is only a matter of time.

Unfortunately, Giorno's third attempt also failed:

"Red Dragon Koi, recyclable."

"Repayment failed, repayment failed"

The red dragon koi, its body covered in dazzling patterns, was carelessly tossed aside by the computer-controlled creature, turning into a limp, salted fish trembling helplessly in the mud.

"This"

After three attempts, Giorno finally figured out some of the secret:

"That's right, it's different from the glass shards we saw before."

"When the stand-in threw away the glass shards, he said, 'Trash, not recyclable.'"

"When discarding roses, pandas, and koi fish, it says 'recyclable,' but 'repayment failed.'"

"In other words, the value of those items themselves has already been recognized, and there are other reasons why the repayment failed."

"And that's the reason."

Giorno pondered deeply for a while.

At that moment, Fabio's behavior not far away gave him a hint:

From the very beginning, Fabio sat there calmly, composedly, with a hint of mockery in his smile.

Even when Giorno created the Julia Rose, worth 26 million, he did not show any panic or wavering.

As Giorno failed time and again, the mockery in his smile became increasingly obvious.

It's as if Fabio had anticipated Giorno's move from the very beginning, and he already knew that it would never work.

"Since it can be predicted in advance, we need to find the root cause."

After realizing that the reason for the failure was not the value of the items, Giorno began to change his approach.

He began to analyze the mechanism of Fabio's Stand from the beginning:

"It's not hard to see that the stunt double's behavior roughly replicates real-world loan transactions."

"But in reality... is that possible?"

Giorno muttered to himself:

"If you're going to pay off a bank debt, you should be using your own possessions."

"The rocks and clods of earth that I use to create plants and animals do not, strictly speaking, belong to me."

"Is that so?"

Abbacchio, who was standing nearby, couldn't help but chime in.

"If it's about recreating real-world lending practices—with those exorbitant interest rates, this stand-in is clearly depicting the kind of high-interest loan business that only gangsters would engage in."

"As for loan sharks, they don't care where the debtors get their money from."

"As long as they can squeeze every last drop of profit from those suckers, they'll accept the money even if it's stolen from the bank by the debtors."

That's exactly the reality.

Abbacchio had been a police officer for almost a year. Many of the criminals he encountered in his career had fallen into depravity because they were driven to desperation by loan sharks.

Those who lend money at exorbitant interest rates are nothing but bloodsuckers who devour human flesh. They not only don't care where the money comes from or who it belongs to, but they will even openly or secretly force debtors to do illegal things to pay off the debt.

If "Everyone's Finance" were truly so realistic, it should accept money from all comers without hesitation.

Unless

Giorno's pupils contracted.

He suddenly realized:

"There is only one situation that would make even loan sharks unwilling to accept repayment."

"That means this 'money' originally belonged to the creditor!"

Snap, snap, snap, snap.

Fabio calmly clapped.

"That's really clever."

He spoke to Giorno and the others in a condescending tone, like a nobleman amused by a clown's brilliant performance on stage:

"That's right, you finally understood."

"Stealing money from creditors to pay off debts to creditors is, of course, not allowed."

"What's the meaning?"

Mista and the others standing to the side were still a little confused:

What do you mean by taking his 'money'?

"The rocks and soil that make up plants and animals are all picked up from the ground, so how did they become his property?"

"Because this is mine!"

"This soil, these rocks, these trees, and this entire valley, all belong to me!"

I wasn't lying to you before.

"This is indeed my home, and unfortunately, you've come to my turf—which is why I was assigned to work with that Explosion Maniac."

Fabio said with great pride.

Facing the bewildered Mista and the others, he proudly proclaimed his full name once more:

"I have said before that my name is Fabio del Bruni."

"And this valley is called Bruni Valley. It has been the private property of our Bruni family for over a hundred years!"

"All the flowers, trees, streams, rocks and mountains here belong to me, Fabio; even the mountain road was built by my grandfather during the heyday of our family."

"You took my stones without my permission, which is stealing my property."

"How can you use such 'stolen goods' to repay a debt!"

Fabio recounted his family's glorious past with great excitement, his face flushed red.

Giorno, however, appeared much calmer.

He was no longer confused or panicked, just like a captain who had finally found his direction on the vast ocean.

"In that case, I know what to do."

Giorno tore a large piece of fabric from his school uniform:

"This is my junior high school uniform, and it belongs to me completely."

"If we use it as a raw material, we should be able to successfully repay the loan, right?"

"Wood big wood big wood big wood big!"

The Gold Experience unleashed Riot Games brimming with vitality.

That simple, unadorned piece of cloth twisted and deformed, transforming in an instant into a cluster of alluring and beautiful Julia Rose.

Giorno casually tossed the cluster of flowers away.

The computer-controlled people swarmed towards the bouquet like sharks smelling blood.

"Julia Rose, recyclable."

"The loan, valued at 26 million, has been successfully repaid."