Everyone's Cultivating on Loans? I Refuse!

Chu Xiao wakes up in Xianqiu—a brutal cultivation world where desperate souls mortgage their futures for a shot at immortality. Below the fourth realm, everyone's drowning in debt, gambling their lives on cutthroat techniques and black-market pills. The system feeds them one lie: "You're NPCs in someone else's game. Only cultivation can set you free." While millions chase transcendence through loans that kill as often as they empower, Chu Xiao sees the trap for what it is. In a world obsessed with leveling up at any cost, he's the only one who dares to walk a different path.