In a future where the "Life Bank" controls everything, memories, talents, emotions and even fate can all be mortgaged, and everything can be quantified. People overdraw the future in exchange for the present, and they are burdened with a heavy "life debt" in the prosperous wasteland.
Zero, a risk control genius who defected from the bank, is now the "Loan Man". His weapons are not lightsabers, but codes and financial rules; his chivalry is not killing people, but "writing off accounts." He wanders in the shadow of data, carrying out cutting-edge "debt restructuring" for those "negative people" who have been squeezed out by the system.
When a customer mortgaged "all the memories of his deceased wife" and when the system's collection agents forced him into a desperate situation, Zero accidentally activated the AI at the bottom of the system that claimed to be the "conscience of the first generation president". The biggest scam of the entire era - the Ponzi trap that feeds on the time of all sentient beings - has finally surfaced.
This time, what Zero has to do is no longer write off a bad debt for a single customer. He wants to use the rules and leverage he is best at to leverage the entire era of "lending lives" and initiate a global bankruptcy - the ultimate bankruptcy liquidation.
