Chen Yang was troubled by his personal debt, but unexpectedly started an exploration related to the survival of the universe. From the establishment of the entropy reduction economic model, to the implementation of the two-dimensional debt repayment plan, to the formation of the parallel universe guarantee chain, the mystery of debt is unveiled step by step. As the plot progresses, concepts such as the ultimate debt singularity, the debt of existence, the debt of consciousness, the debt of information, the debt of creation, etc. Appear one after another, showing the close connection between all types of existence and debt in the universe, from matter to consciousness, from information to creation. Every civilization, every life, and even every particle is repaying the loan from nothingness in its own way, striving to create order and meaning in a universe with increasing entropy.