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

Chapter 5: Lowly as an Ant

[However, you haven't gained nothing. After more than a month of struggle, you have gained a certain understanding of the world beneath your feet.]

Especially when combined with the knowledge from my past life, I clearly understood the financial traps that surrounded me.

Everything in this world is nothing more than "cannibalism" packaged in a guise of legality and order.

[First, use the grace loan to lure the lower-level borrowers, and at the same time bind their souls as collateral, and use the compound interest model to turn the lower-level professionals into consumables, making it easier to harvest them in the end.]

[Then, through the intelligent network, they restrict consumption, monopolize resources, block the growth paths of the lower classes, and exploit them at the level of extraordinary power.]

[On the surface, the government has officially recognized that God-given crystals are strategic materials, and the loan money cannot flow into the relevant market to avoid price fluctuations of God-given crystals, which in turn could lead to social unrest.]

But the key question is, with this insane financial system, isn't society already shaky enough?

Whose interests are protected by the relevant policies customized by the Loan Supervision Bureau?

[Finally, coupled with the cruel harvest of the dungeon ticket system, unless the awakened talent is a child of destiny above the gold rank, who can cross the class and make a comeback?]

[The money I earn from working hard to collect materials every day can't even offset the entrance fee. How can I accumulate in the initial stage? ]

How can I repay my debts without any accumulation?

Even if I don't pay off my debts, how can I buy myself equipment and skills without money? How can I buy precious items to equip myself?

[Sure enough, working in the dungeon hall for nothing, okay?]

[Thinking of the Dragon Fang team's blood-sucking methods in the dungeon hall and the Scavengers Alliance's comprehensive exploitation through the trial period, this is simply serving the ultimate goal.]

[That is to allow low-level professionals to default on their payments, allowing these lending institutions to harvest both their bodies and souls.]

[This then plunges everyone into a death spiral of debt → consumption → stagnation of combat power → loan renewal → complete enslavement.]

[This world is already terminally ill! ]

【Need to change! 】

【But you are too weak to do anything. 】

[Life is like this. When there is no way to resist, all you can do is lie down and get ready.]

Lin Xia: “.”

This last sentence is really insightful.

But in just a short period of time, have you been able to see the underlying logic of this world?

"Indeed, in this extraordinary world, everything is laid out in the open."

Lin Xia shook her head slightly. "Since the Guangyun Chamber of Commerce salesperson has already mentioned the 40% kickback, the other things must be extremely obvious as well."

"If you don't even act anymore, then there's nothing wrong with seeing these things."

"It's just that the strength is not good enough, what's the point of seeing it?"

"Everything should be based on self-improvement as the first priority."

[Get rid of the messy thoughts in your mind. Before your strength reaches the standard, excessive thinking will only cause you a burden.]

[The most important thing is that in a dozen days, the professional exam will begin.]

[You are only level 2 now, and your talent is at the Iron level, so you are very self-aware and know that you will definitely not be able to get into a good vocational university.]

[Just because you failed the exam doesn’t mean you won’t be able to pass it in the future.]

[The qualifications and channels provided by the Professional University can help talented people from poor backgrounds avoid many detours.]

[If you try more now and accumulate more information and experience, you will be able to rise to the top faster in the future.]

[Even so, your daily activities in the Wolf Forest have not ceased.] [After all, ideals must be maintained, and the life and struggles ahead must continue.]

[You once fantasized about getting a few primary God-Gifted Crystals by killing monsters, but the Wild Wolf Forest dungeon is too low-level, and the monsters that died at your hands were small, so the probability of this happening is infinitely reduced.]

[On June 19th, 125th year of the Transcendent Calendar, the day of the final exam, you arrived here early to wait, only to find that the area was already crowded with professionals.]

[At first glance, most professionals are dressed similarly to you.]

[The Black Iron-level talent you awakened is a true reflection of a low-level professional.]

[You are burdened with numerous loans, including favor loans, equipment loans, skill loans, dungeon loans, and medical loans. Your peers are also burdened with these loans.]

[Some people, upon entering the dungeon hall for the first time, were not careful enough and were deceived by some illegal teams. They ended up taking out loans but did not receive any equipment or skills. Their level is now stuck at the very beginning, level 1.]

[There are also some honest people who wanted to earn some money to repay their loans, but ended up having their labor taken advantage of by the Scavengers' Alliance for three months, and as a result, they still haven't absorbed a single divine crystal fragment.]

[In short, you thought you had been miserable enough during this period.]

But after arriving at the exam center where you gather with your peers, you realize that you are relatively lucky.

[Luckily, you're quite smart, and you've only been fooled a dozen times.]

Lin Xia: “?”

Why does this last sentence sound a little bit fortunate?
In three months, I was cheated more than a dozen times. Is this a small number?

Even though you are so cautious, you still get cheated more than a dozen times?
Don’t go to any team that is recruiting!
Ignore all suspected pie-in-the-sky behavior!

Ignore everyone who comes to talk to me.

That's it, and I've been cheated so many times?

Well. Compared to those professionals who had their labor taken away for free for three months, or were cheated out of nothing, I can indeed be considered lucky.

It’s just that this lucky expression is a bit embarrassing.

"Isn't it too tragic?"

Lin Xia felt helpless. Seeing this, he suddenly understood why his simulated self had such a profound understanding of the world.

Even with such carefulness, I was still cheated so many times.

Although it was due to carelessness at the beginning, it also had a lot to do with the fact that the fraud methods in the extraordinary world were very subtle.

For example, the Dragon Fang team uses the method of recruiting people to collect blood.

If you are not a professional who has experienced it or has been informed in advance by your elders, who would know that the team that looks so good is actually a scam?

Lin Xia couldn't help but sigh, "When supernatural powers combine with financial scams, the power that erupts is enough to distort the entire world."

[As a student of Jiangcheng No. 1 Middle School, you quickly followed the team to begin the level test.]

【Depending on the level, the scores for the final exam will be different.】

[And along with the appearance of the children of the Jiangcheng family, you saw a series of displays of level 11, level 12, and level 13.]

[After reaching level 10, a professional must complete the job transfer task before continuing to level up.]

In just three months, these aristocratic family disciples completed their first level. Du Yuhan, who topped the Jiangcheng area's exam, even reached a staggering level of 15.

[You are now almost a concrete representative of all the low-level professionals around you.]

[You stood in the audience, looking up at the children of the aristocratic families radiating dazzling light, and you felt as lowly as ants.]

(End of this chapter)