Others Cultivate with Spiritual Roots, but I Ascend on Loans

Cultivation Finance System + Ridiculous, Satisfying Story + Unconventional Power-Ups

Others break through by secluding themselves in cultivation. She does it with loans.

"Would you like to borrow a hundred years of cultivation at an annual interest rate of 99 percent?"

"Would you like to mortgage your future cultivation partner in exchange for an Heaven-tier technique?"

"Would you like to activate installment payments from the Heavenly Dao?"

She borrows like crazy while relentlessly exploiting loopholes in the System.

Others refine pills. She takes preorders for them.

Others found sects. She starts a cultivation bank.

Others fight over secret realms. She securitizes them outright.

In the end, the entire cultivation world becomes her debtor.

The Immortal Venerable roars, "You're nothing but a waste with a useless spiritual root! How can you control the Three Realms?"

Jiang Mingshu takes out an IOU:

"Sorry, your founding patriarch still owes me thirty billion spirit stones."