You want me to take out a loan to practice cultivation? I'll just pay off the debt physically.

Chapter 10 Second Simulation

[Consume 60 destiny points, simulator unlocked successfully.]

[Current Destiny Points: 7.16.]

[Simulation begins. 】

[On March 20, 125th year of the Supernormal Calendar, you relied on your previous experience to begin frequenting various loan institutions.]

[As a newly awakened professional, you've reached level six in just a few days. Either someone is funding you with divine crystals, or you're incredibly lucky.]

[No matter what aspect, you are now a potential borrower with excellent credit.]

So, you've gained the favor of all the major lenders.

Even Enqingdai and Linghundai, two major institutions, have been able to remove your long-overdue loans and increase your loan limits after obtaining your information through Zhiwang.

[The unused loan amount will be automatically deducted as interest on your monthly repayment date.]

After learning about this, you withdrew all the credits from your Grace Loan and Soul Loan without any hesitation.

You are very familiar with the principles of these lending institutions.

[When you are short of money and need money, they will accurately cut off your loan and then push you a loan with extremely high interest through other means.]

[However, when faced with high-quality individuals who do not need loans and are not even short of money, lending institutions lend hundreds of thousands or even millions of yuan.]

[In the trap of consumerism, no matter what, if you can pull one down, you'll pull one down.]

[After all, these high-quality individuals have sufficient earning power, and most of them care about social reputation. As long as they borrow money, they will generally pay it back.]

[But you ignored all that. After borrowing enough money, you didn't go to Guangyun Chamber of Commerce to spend money this time, but went to the black market.]

[Although there are also shady prices and kickbacks on the black market.]

[However, the price of Yin and Yang on the black market is not that exaggerated. The equipment and skills purchased with this loan amount can only be doubled at most.]

[It's hard to imagine that the black market, which is not officially regulated, can actually sell cheaper and more affordable products than the legitimate Guangyun Chamber of Commerce?]

[You purchased a set of rare quality level 5 equipment: the Guzzling Set.]

[The stat boost of the Guzzling Set far exceeds that of ordinary quality sets, and it also comes with the healing set skill.]

[Recovery: After leaving combat for ten minutes, health will recover by two points per minute.]

[On the surface, this healing skill doesn't seem very powerful.]

[But having this set of skills is, in a sense, like having a nanny by your side to assist you.]

Even if you are injured, you can rest for a few hours and the injury will heal naturally.

[Perhaps in dungeons, the advantage of this skill isn't obvious enough.]

[But if you venture into the wilderness, this is a life-saving skill! ]

[You purchased a C-rank skill card: Double Slash.]

[You have long coveted this expensive C-level skill.]

[It can not only deal instantaneous secondary burst damage, but also perform secondary effective displacement in a short period of time. ]

[It's no exaggeration to say that you now possess the strength to crush the last simulation.]

[And you have always kept the vengeance of the Red Crows and the Black Bay Debt Collection Team in your heart.]

[And you also know that in this world of extraordinary professionals, the power that a team can unleash far exceeds that of an individual.]

[So, you have the desire to form a team.]

【But you know, this matter cannot be rushed. More haste, less speed. 】

When it comes to forming a team, you need to develop a strategy and start using your talents.

[And so, you continue to solo the dungeon.] [However, due to your strength, you switch to a level 2 dungeon: Knight Town.]

The price of the Level 2 dungeon ticket has also reached a staggering 7000 yuan.

[As expected, this ticket price is as stable as ever.]

[Every day after you finish a dungeon, you will start renting a platform in the dungeon hall to recruit team members.]

[However, not many professionals have sent you resumes. Although you are wearing a rare quality suit, you are still a start-up team and too unstable.]

【You are not in a hurry about this. 】

Although there aren't many applicants, there are still dozens of them every day.

[On April 8th, 125th year of the Supernormal Calendar, after several days of observation, you have identified a group of people.]

[This group of people has the following characteristics: average talent, poor background, high-dollar loans, and having been repeatedly scammed in the dungeon hall, yet still have all their equipment.]

[Talent is average, meaning you have enough say and control due to your level advantage.]

[Coming from a poor background and burdened with loans means that when there are money-making opportunities in the future, they will be more likely to be tempted and follow them.]

[They've made many mistakes, but their equipment is still there. This shows that these people are not stupid. At least they can understand the orders you issue.]

[Of course, those who are favored by you are all professionals with bronze talent.]

[After all, in this cannibalistic dungeon hall, Bronze and Iron professionals are both at the bottom of the ladder, with not much difference between them.]

[When you reach the Silver Talent level, you'll awaken and receive corporate investment, professional teams will offer you olive branches, and you'll be able to pass the entrance exam to a well-resourced professional university.]

[It can be said that the line between bronze and silver is the dividing line between geniuses and ordinary people.]

【You gather this group of people together and start to announce your team rules. 】

[The distribution of the dungeon's loot is entirely determined by you, the captain, and you have priority over all loot within the team.]

[This team rule makes them feel uncomfortable.]

If it were an established team, they would just accept it. After all, as newcomers, they really don't have much say.

[But for a fledgling team that could disband at any moment, the spoils should be shared fairly, and decisions should be made through democratic voting.]

【How could it be like this from the beginning? 】

[Isn't this too overbearing?]

But when you reveal your own level to them, suddenly they don’t have any objections.

[A normal team needs to gather players from five related professions: tank, warrior, assassin, mage, and priest.]

[However, since the mage's equipment and skills are too expensive, ordinary people can't afford it.]

Even if one awakens a mage-type talent, unless they are high-ranking and have someone to support them, most will choose priest-type skills, making themselves a supporting role standing in the back.

[So the team you formed has no mage, but two tanks instead.]

【This lineup is also within your expectations. 】

[At this point, the Red Heart Team you formed is officially established.]

【But as expected, an accident happened. 】

The next day, the dungeon hall staff approached you and told you that your privately formed team was not officially recognized.

[You need to register your team in the dungeon hall and pay a handling fee of 800,000.]

[At the same time, your team will need to pay 25% team income tax every time you return from a dungeon or wilderness training.]

[Only in this way will the team you form be officially recognized and enjoy all the rights that a team should have.]

(End of this chapter)