I'm a Bully and a Bad Guy, I'm a Black Man in Heaven, and I'm Broke and Cultivating Immortality

Niu Ergou is the most useless person by the Chishui River. He has introduced Qi into his body for three years, and the retained spiritual energy is not as much as Ah Huang's fart next door. >On the day his engagement was broken off, he jumped off a cliff in grief and anger, but was struck out of the "Tiandao 2.0 Fate Loan System" by a bolt of lightning. >System prompt: "Credit rating: Black account! The only mortgageable destiny is: 'Baked potatoes will burn' (valuation 0.01)." >He gritted his teeth and mortgaged his life in exchange for three seconds of golden elixir cultivation to beat his fiancée violently. >As soon as I finished enjoying myself, the reminder talisman exploded: "Warning! The interest has doubled ten thousand times! If you don't pay back in three days, the heavenly tribulation will come to seize the house!" >Niu Ergou looked at the potatoes that were turned into black charcoal, and slapped his thigh: "Spade! I'm going to be a bad guy!"