[Transmigrate into a book + System + go berserk and turn the tables on the protagonist + collect debts through karmic retribution + lie flat and get rich + clingy Demon Lord, feel-good story]
Jiang Zhaoye transmigrates into a cultivation novel full of abuse, becoming a stand-in for Su Mianxue, the darling of her master and senior brothers alike. In the great hall, they press a sword to her dantian and force her to cut out her supreme-grade golden core to keep someone alive. At the end of her rope, she shatters her core and detonates her spiritual power, blowing the main hall of Qingtian Sect sky-high before turning on them and fleeing.
At this critical moment, the Karmic Reckoning System binds itself to her. Anyone who has wronged, exploited, or falsely accused her can be made to pay, with their cultivation, fortune, magical treasures, and spiritual veins all subject to seizure.
Her biased master, Shen Guhong, loses half a lifetime's worth of icy sword intent. Her senior brother, who protects his little sister, loses his life-bound sword and his entire collection of sword arts. Su Mian, the white lotus, is made to pay for the Thunder Marrow Jade and exclusive good fortune she stole. Even the heart of Qingtian Sect's mountain-protecting array gets packed up and taken away.
While fleeing, she rescues Xie Wuwang, a young lord of the Demon Realm who has been suppressed, and recruits Ye Chen, a poor boy whose sword bones were ripped out. They find an abandoned wilderness mountain and establish the Myriad Dao Bank. Its motto is simple: debts must be repaid. Down-and-out rogue cultivators can work in exchange for the right to cultivate.
By idly letting things run on autopilot, she gains a Spirit-Gathering Grand Array, ten thousand mu of premium spiritual fields, and an ancient treasury. Spiritual stones pour into the bank without end, while rogue cultivators line up to pay rent just for a place to cultivate.
A special envoy of the Cultivation Alliance colludes with sects to embezzle funds and provisions, then comes to raid and shut down the bank. Jiang Zhaoye opens her ledger of karmic debts in front of everyone and makes them pay, exposing every last scrap of their corrupt dealings. With nowhere left to turn, Qingtian Sect colludes with evil practitioners from Zhongzhou, launching a blood sacrifice and slaughtering its disciples in a desperate bid to reclaim its fortune.
Jiang Zhaoye holds the bank, with the array core and a Thunderflame Golden Core in hand, while the Demon Lord guards her at her side and her hard-pressed cultivators stand united. Using the power of karma, they turn the blood-sacrifice array against its masters and settle every long-standing blood debt owed by everyone in Qingtian Sect.
