Ah? If You Get Lucky and Go to Another World, You Still Have to Pay Back?

New works by newcomers, [Western Fantasy] [Travel] [Magic] [War] [Cultivation], etc. The male protagonist is an ordinary person with few friends. After getting lucky, he accidentally comes to a different world. After eating a mysterious tree fruit, he starts the path of cultivation as a spell caster. Is the above really the main plot? The protagonist just wants to live a good life, but he has to pay back the money he owes, right?