The young man sighed. "Cultivating immortality is so expensive. A single course of the Nine Dragon Acupuncture Technique costs 3,000, which is a month's wages for an ordinary person, and only raises your physical strength by 0.5 points. I can't afford to get needled."
The old man snorted. "Cultivating immortality may be hard, but there's still a chance to defy fate and change your life. Without cultivation, you won't be able to take a single step."
His words rang out like a thunderclap:
"Without cultivation, you'll never get a good job. Take those permanent employees at the electric utility: without opening your Thunder Palace and reaching Foundation Establishment, you won't even pass the first round of interviews."
"Without cultivation, good women won't give you the time of day. In today's society, women would rather pay a fortune to be artificially inseminated with the protein of a Qi Refining cultivator than accept a bride price and marry an ordinary man."
"Without cultivation, even the demon dogs by the roadside won't think you're worth biting. You're doomed to stay at the bottom, struggling without a way out."
The young man said bitterly, "But I have no connections or money. I really can't afford to cultivate immortality."
The old man smiled. "They say the Great Dao numbers fifty, while Heaven's evolution accounts for forty-nine, leaving one to escape. My Immortal Cultivation Loan is your one chance at survival. It's a trusted platform with a Nascent Soul ancestor as its legal representative. New users get an interest-free loan of 10,000, and loans under 100,000 have the lowest daily interest rate anywhere. Borrowing is practically the same as not borrowing."
The young man hesitated. "But what if I can't pay it back...?"
The old man replied, "No problem. If you really can't repay it, you can use your spiritual root as collateral. Those with special roots like thunder or wind can borrow even more."
The young man thought it over again and again, then said to himself, "Fine. It has come to this, so I'll just take out a small loan and start cultivating immortality!"
