Fellow Daoist, Need a Loan?

Jiang Ye transmigrated to a cultivation world with the Heavenly Dao Bank System.

Every month, the System grants him a loan limit based on his cultivation. And as long as Jiang Ye spends spirit stones, he can grow stronger!

A poor spiritual root? Upgrade it to a Heavenly Spiritual Root for a hundred thousand spirit stones!

Cultivating too slowly? Going from a mortal to the first Qi Refining level costs just one hundred spirit stones!

A cultivation technique too hard to master? Learn an ordinary technique for ten spirit stones, reach minor mastery for a hundred, major mastery for a thousand, and perfection for ten thousand!

A fragmentary technique that can't be cultivated? Just spend spirit stones and the System can deduce and complete it!

I, Jiang Ye! As long as I have spirit stones, I can grow stronger!

I don't care if you're a prodigy, a demon, or an old ancestor. Give me enough spirit stones, and I can bury you under them!

What? I'm running out of spirit stones?

I can lend out the spirit stones I borrowed from the System!

"Fellow Daoist, interested in a loan?"

"No collateral, no guarantor. It's a credit loan. Just sign this Heavenly Dao contract, and you'll get your spirit stones right away. Honest deals for young and old alike."

"What, someone wants to default?"

"I have three ways to collect from people like that: violent debt collection, putting them on the Heavenly Dao blacklist, or killing them with a tribulation."

"Which one do you like, fellow Daoist? You can choose!"

"You really can't pay it back? Don't cry, Fairy. One dual cultivation session can cover half a month's interest. How about it?"

PS: The System is only an aid, and its functions will gradually unlock. The protagonist won't be invincible from the start.

PS 2: The protagonist won't get stupid or lose his head whenever he sees a woman. Some things will take time to set up, so please be patient. Thank you.