Trillion-Dollar Debt: The Reluctant Overlord of Ten Thousand Realms

One cosmic system, one impossible debt—ten trillion coins due on arrival. Xiao Chen transmigrates expecting glory, but his cheat ability comes with a bill that could bankrupt galaxies. To survive, he's forced into the ultimate entrepreneurial grind: crafting legendary pills, synthesizing divine artifacts, waging cultivation wars, and conquering entire planes of existence. Each victory chips away at his astronomical debt, but as the balance finally zeros out, a shocking truth emerges—he hasn't just been paying off a loan. He's been buying the keys to the universe itself.