Others cultivate immortality through hard work. Han Jiu does it by borrowing against the future. He can draw on future cultivation realms, pay for magic treasures in installments, and even use his lifespan to bridge the gap and hedge his debts! An instant infusion of power, face-slapping those above his rank, pure exhilaration. The only problem is that the monthly settlement day can be deadly.
[Heavenly Dao Alert: Your karma bill for this period is overdue. The Nine Heavens Thunderbolt debt collection service is connecting now...]
Looking at the ten thousand miles of tribulation clouds churning overhead, Han Jiu grips his account book and falls into deep thought: "Since Heaven and Earth are unkind, then this bad debt owed by the Heavenly Dao... I refuse to settle it!"
From then on, the entire cultivation world goes off the rails:
The ancient monsters of sacred lands cultivate in seclusion, while Han Jiu audits their accounts.
When a demonic overlord tries to massacre a city, Han Jiu pulls out a loan agreement and immediately enforces repayment by seizing the entire sect as collateral!
"The Heavenly Dao owes me karma, and I owe the Heavenly Dao spirit stones. I borrowed them fair and square, so why should I pay them back?"
It's a bit cool. It's nice to relax and watch.
Good idea.