Fanatics of the Magic Academy

One parameter that truly unsettles the author is the risk factor for a magician's ring reduction.

This magician is conducting in-depth social surveys, research, and sampling.

He discovered someone who graduated as a first-circle mage and had a 12-year loan to pay off.

His monthly mortgage payments account for about 40%-60% of his income.

This means he has no spare capacity to save or prepare for unexpected situations.

If he encounters problems in his work, life, or health, his only options are to either replace his old job with a new one or be eliminated.

This high-pressure and oppressive situation often causes first-ring mages to start losing their sanity or even dropping their ring level around 12 years after graduation.

Therefore, according to the author's research, the risk factor of a first-circle mage's reduced circle is almost entirely caused by high-pressure loans.

However, when calculating how much a magician can borrow, the largest factor is the magician's risk factor for reducing the risk of loss.

It's a perfect closed loop.

Loans are the only way for an ordinary person to become a magician, and the destination of this path has already been designed for you.

This is the "paradox" the author discovered, which also gave him a deep sense of powerlessness when facing a massive system.

Moreover, according to Kenneth's account, in addition to student loans, there was even a second hurdle.

After you find a decent job, you'll also need a place to live.

Paying off the mortgage happens to coincide with the time when a magician's sanity fades to the point where he can no longer work and retires.

Still an ingenious numerical design.

In a society where everyone is alienated into stocks and assets, those below the 5th Ring Road are all ants.

Every time a magician signs a loan contract, behind the interest rate, term, and monthly payment amount that you see, everything about that person has actually been calculated.

Every life has its own price, and that price is everything in their eyes.

This actually shows the difference between student loans and mortgages.

The student loan program is designed to last until a magician's sanity begins to wane.

The design of a mortgage is like a magician who has reached retirement age, whose rationality has faded to the extreme, until all value has been squeezed out of him.

Because student loans are meant to be recouped as quickly as possible while you still have the ability to repay them.

As for mortgages, even if you can't pay them back, they can just take the house from you, so they'll squeeze you dry as much as possible first.

It took 3000 years of refinement and market self-regulation to eventually form this system that pushed people to their limits, thanks to the concerted efforts and concerted efforts of all parties.

Moreover, it seems unusually stable; at least according to the author of "The History of the Suppression of Believers" more than 1000 years ago, this era was called "the era in which everyone was killed."

Therefore, this system seems to have been operating continuously and stably for over 1000 years, or even longer.

Is there such a thing as the Magic Federation?

If it were based on my previous life, we would have already risen up in rebellion and subjugated the old and timid Magic Federation.

Rose rubbed his eyes and finished reading the book, gaining a deeper understanding of the world.

I feel that the loan system in this world is very similar to the "Manipulation Techniques" used to describe the 36 taels of silver shortfall in the Qing Dynasty that were rumored in my previous life.

It is rumored that during the Qing Dynasty, the government controlled the average income of the people at 33 taels, but expenditures amounted to 36 taels.

This forces the people to work themselves to the bone for three taels of silver, leaving them with no energy to think about resistance, which is beneficial for the ruler.

Although this is pure nonsense, if the Qing Dynasty had such statistical power and such complex control methods across the entire country, it would have unified the world long ago.

Moreover, in ancient times, even in the wealthiest area of ​​Jiangnan during the Qing Dynasty, a farmer would only receive about 7 or 8 taels of silver a year.

However, their core components share striking similarities.

Rose speculated that the Magic Federation's system could not have been designed artificially, but rather was the optimal solution that had been honed through market forces.

Luo Sai let out a long sigh, put the book aside, and lay on the bed, letting her mind go blank.

Rose was thinking about how he could earn money to go to magic school.

Or should they simply stop going to school?

This book made Rose somewhat fearful.

Rose seemed to understand Mason's intention in choosing these books for him; that old scoundrel Mason was still determined to keep him a vagrant!

Although Rose doesn't need to worry about being defeated by this system, because the core logic of this system is—

A magician's rationality will fade, but they are immune to it due to their own trait: fanatical materialism.

But, as a fanatic, why would I want to attend some magic academy?

Rose's trait: The first of the following: [A fanatical materialist]

[Fanatical Spirit]: Your sanity cannot be increased; you can only increase your faith.

Meditations and drugs that enhance rationality in this world are of little use to Rose.

Even if he gets into university, it's still uncertain whether his disguised magician status will allow him to integrate into the existing education system and training programs of the Magic Federation.

This will also increase the probability of revealing one's identity as a believer.

Rose frowned, lost in thought.

However, if you want to transcend social classes and live a better life in this world, attending a magic academy is the only solution.

Even if one were to secretly become a high-level mage through special abilities, it would still be nothing more than an empty shell.

According to Lao Ken, the world has extremely high knowledge barriers and restrictions, and without corresponding guidance, it is difficult to succeed through self-study.

Moreover, there is the issue of social recognition of academic qualifications, because, as Lawrence once said, even a third-ring mage without social recognition could be killed on the streets.

One doesn't need to learn their own [Ancient Dragon Faith] inheritance; they can use it directly.

However, the problem is that unless one's strength grows to the point where they can rival the entire Magic Federation, this strength can hardly be revealed in the open until then.

Rose felt as if she was in some kind of predicament.

Huh?! Wait a minute, can't we really expose ourselves?

As a follower of Gu Long, my physical transformation is limited to my eyes. Wouldn't wearing colored contact lenses solve the problem perfectly?

Genius! Discharged from the hospital!

Then he disguised himself as a lightning mage...

There must be a school of thought on lightning, right?

That's one way... but I don't know if the Magic Federation has a method to judge prayers.

At this moment, Rose realized that it was 7:23 in the morning.

Tiana had just gotten up at that moment.

Rose noticed that Tiana had secretly stayed up a little late reading an illustrated book last night.

Rose took a deep breath and thought:

"Forget it, let's not worry about that for now."

He still has a lot of things to deal with, so he should take care of those first. It's still a long time before he has to go to magic academy.

Before that, Rose could explore a path of her own as much as possible.

Rose got up, started washing up, and prepared breakfast.

Rose plans to engage in a deep ancient dragon meditation over the next two days before going to pay homage to the deity she believes in.

If the gods are easy to talk to, ask them what solutions they have.

Although Rose felt that his gods probably didn't have any tricks up their sleeves, if the gods really did have tricks up their sleeves, they wouldn't have been suppressed by the Magic Federation for more than three thousand years, or even castrated and exterminated.