When I write a bug it becomes the core gameplay.

Chapter 639 Xiuxian Loan Explodes

Under this mechanism, if a studio wants to make a lot of money quickly, there is only one way left, which is to open multiple accounts, maintain a large number of low-level casual accounts, and sell low-level materials.

However, Nitiantang also has preventive measures for this. Each account is forced to be bound to a mobile phone, a real name, and an official account. It is not allowed to open more than two accounts on the same device. Players are also encouraged to report studios and script accounts.

With multiple measures, the studio can definitely still make money, but its efficiency will not be much faster than that of ordinary players.

Over time, many studios withdrew.

Because the studios are all profit-driven, and if they make less money, they will lose money. There are so many other games on the market that make more money than Against the Sky, so why waste precious time and energy on this?

It is precisely because of this unique game mechanism that the mechanism of dividing the ribs in "Against the Sky" can benefit ordinary players to the greatest extent, allowing those zero-氪 players to persevere by relying on "dividing the ribs".

Zhuge Jun was one of the direct beneficiaries.

He now also regularly posts updates on his account, analyzing the fluctuations of various materials on the market and suggesting that everyone stock up in small quantities and speculate on the goods, apparently developing in the direction of a goblin merchant.

"Here we go, shall we continue on to the Savage World?"

Hou Ji sat down in front of the computer next to him and couldn't wait to open "Against the Heaven's Will".

As a graduate school student, Hou Ji sleeps in the dormitory until he wakes up naturally every day, and then comes to Zhuge Jun's rental house to play games together.

However, as soon as he logged into the game, Hou Ji's eyes widened and his face was full of disbelief.

Zhuge Jun was a little surprised: "What's wrong?"

Hou Ji said in shock: "My...my Xiuxian loan has exploded!"

Zhuge Jun was stunned for a moment: "Ah? What should I do then?"

Hou Ji was also confused: "I don't know either! This is the first time I've encountered such a situation.

"Did I take out too much Xiuxian Loan?

"But shouldn't they have sent me an overdue notice or something like that first? Why did they just explode right away?!"

Most players have not studied the Xiuxian Loan mechanism in this game in great detail.

Basically, people just borrow money and talk about it later.

After all, who would read such a long clause carefully? Everyone just agreed to the agreement at the beginning of the game.

Basically every zero-氪 player who enters a sect will sign up for the Xiuxian Loan, but the specific amount they pay back after signing up varies greatly from person to person.

People like Zhuge Jun have made up their minds from the beginning to cultivate immortality naturally, so even if they sign a loan for cultivation, it is only the minimum amount.

All of Kowloon’s materials were sold, and no new loans were signed to buy unnecessary magic weapons, so each repayment was easy.

You can even pay back more principal in advance to reduce the pressure of the Xiuxian Loan as much as possible.

Zhuge Jun has already calculated that even if he eats pork ribs as usual every week and only uses a small portion of the money he earns to repay the principal of the Xiuxian loan, it will be enough to pay off the Xiuxian loan in two or three weeks at most.

If you use all your money to repay the loan right from the start, you can pay off all your Xiuxian loans within a month, and the rest is pure profit.

Therefore, for him, the Xiuxian Loan is not a burden at all and does not require any special attention.

But Hou Ji is different.

His gameplay is standard for average zero-氪 players, who seriously consume the Nine Dragon Pill to cultivate immortality. As for other things, whether it is martial arts, flying swords, magic weapons, or cave dwellings, if he sees something he particularly wants, he will choose to borrow the Immortal Cultivation Loan to pay for it in installments.

After being divided into many installments, it does seem that the amount of repayment each time is not much.

Moreover, many of the immortal cultivation loans in this game have discounts and are interest-free, which makes them seem even more cost-effective.

Every time a new loan is taken out, the original repayment plan will undergo some changes, the repayment period will become shorter and shorter, and the amount of each repayment will increase.

But Hou Ji didn't care too much about it. After all, it was just a game. Even if it was in real life, he would have to collect the payment if it was really overdue, right?

Only long-term overdue payments will be reported to the credit bureau.

Now he regretted it, because there was no such thing as overdue loans in this game.

At the beginning, Xiuxian Loan seemed very relaxed. At first glance, the repayment period could be adjusted freely. The same amount of money could be divided into 10 installments or 30 installments. The more installments, the more interest you would have to pay.

If you initially choose 10 installments but fail to pay it back, the system will very considerately automatically extend it to 20 or 30 installments.

This also gives many players the illusion that "they don't have to pay it back."

The worst that can happen is that the interest will compound. It won’t be a big problem until I can no longer pay the interest.

But it is obvious that players borrow Xiuxian Loan much faster than they expected, and there are hidden pitfalls in the mechanism of Xiuxian Loan.

Simply put, there is an invisible upper limit to installment payments because of the existence of interest. When the installment reaches a certain level, the interest will increase exponentially, which will result in the monthly repayment amount not being much different even if there are more installments.

Once players approach this invisible upper limit, they will unknowingly be burdened with sky-high interest rates.

In this case, if one fails to repay the loan once, he will be directly put on the "dishonest monk blacklist" and all functions will be restricted.

Hou Ji hurriedly checked the character's current status. Originally, he could borrow Xiuxian Loan to buy anything, but now it was no longer possible. He could not borrow any money.

Many NPCs who had originally greeted him with a smile now became indifferent and even refused to show him the purchase interface.

On the recharge interface, all the fancy reward icons have disappeared, leaving only the bright red and eye-catching collection information.

What's even more outrageous is that all the sect's training facilities are no longer open to him!
Yes, he is no longer qualified to practice.

The only thing we can do now is to go to the Wilderness to get materials, and then sell them at the auction house.

And now all the spirit stones earned will be forcibly withheld and used to repay the overdue cultivation loan.

This kind of compulsory withholding is automatic by the system, and there is no possibility of secretly transferring property.

"It's over, I'm a deadbeat!
"This is not just a restriction on high consumption, all the things I can play with are restricted. I can only become an illegal miner!"

Hou Ji felt like the sky was falling.

Once overdue, the Xiuxian loan will enter a state of compound interest, and at this time, if he wants to rely on the resources produced at a fixed point every day outside the Wild Realm to exchange for money, it will seem like a drop in the bucket.

Of course, if you work diligently every day to mine and collect herbs, and if you are lucky enough to come across a Nine Dragon cub and collect some materials, you can still pay off your Xiuxian loan.

"Against the Gods" is still merciful in this regard and will not force players into a desperate situation.

But for players, this is too much of a loss!
If there were no interest on the Xiuxian Loan, the same materials could be sold for money and cashed out directly, allowing you to eat some pork ribs in real life.

But with the interest on the Xiuxian Loan, the money earned from selling materials was automatically deducted by the system, making it impossible to withdraw cash.

So, is this game really free?
If exempt.

Hou Ji has indeed not spent a penny playing the game so far, but he still feels painful, as if the money he could have earned was forced to be spent on the game, and it was not worth it.

Look at Zhuge Jun, who can happily earn dozens of dollars from the game every day. This unbalanced mentality is even more exacerbated.

"What should I do?" Hou Ji looked at Zhuge Jun, thinking of getting some advice from him.

Zhuge Jun was silent for a moment and said, “Delete the account.

"I have long advised you to exercise moderation in your Xiuxian loans, but you insisted that it was okay and that at worst you could just delete your account.

“Now I really can only delete it.

"If you want to continue playing now, you can only go to the Wilderness Realm to collect materials and sell them for money, and it's not cost-effective at all, as a lot of it has to be used to pay the interest.

“Furthermore, after you stop using the Nine Dragons Pill and stop practicing, your cultivation will regress.

“At this time, you might take a risk and enter the dangerous area of ​​the wilderness to try your luck, but the only result is that you will encounter a powerful monster and die there. Then you will have to spend extra money to buy the resurrection pill to revive.

“The Xiuxian Loan is directly locked to your account. Even if you are reincarnated, you still have to repay the Xiuxian Loan.

“If I really accidentally damage my body and can only reincarnate, then I’m completely useless. After reincarnation, I still have to practice to regain my cultivation. If I can’t practice, I’ll only be at the lowest level of Qi Refining. It’s hard to even enter the outer reaches of the Savage Realm, let alone collect materials to sell for money…”

Listening to Zhuge Jun's analysis, Hou Ji's expression gradually became desperate.

It’s over, this account is really useless!
It’s not impossible to continue playing, but if you do so, before the Xiuxian loan is paid off, most of the money you earn will be equivalent to working for Nitiantang for nothing.

I didn’t charge any money, but the feeling of losing money was better than charging money.

You can also cancel your account and start over, as your debts are wiped out when you die. The official does not have too many restrictions on this, and you don't need to rebuild your account, just delete your current character.

In addition, players can also choose to transfer the remaining materials to friends before canceling their accounts. However, since there is also a binding mechanism in this game, the flying swords and magic weapons on the characters cannot be sold. Therefore, if it is just some materials, it is not enough to affect the prices of the entire server.

For players, once their account is cancelled, all their previous efforts will be in vain.

Moreover, I have placed some emotions on this character to a certain extent, so it is not so easy to give up.

"Ni Tian Tang, ah Ni Tian Tang, your Xiu Xian loan is really something, you tricked me in here to kill me!"

At this moment, Hou Ji truly understood what it meant to be caught in a dilemma.

What it meant was that he was too young at that time and didn't know that all the gifts given by fate had already been secretly marked with a price.

"How to do?"

Hou Ji was unable to make up his mind.

After a long silence, Zhuge Jun said quietly: "Actually... there is one last way.

"If I have to say, this is the most cost-effective way."

Hou Ji suddenly felt as if something had turned out for him: "Oh? What's the solution? How come I didn't know about it! Did you find some hidden mechanism in this game?"

Zhuge Jun shook his head: "It's not a hidden mechanism, it's just... charging money."

(End of this chapter)