In the age of declining magic, every monster knows the law: no privately cultivating into a spirit after the founding of the nation.
Bai Mo, a national treasure giant panda born in the wild after the founding of the nation, unexpectedly cultivates into a spirit by sheer chance.
When a bear's down on its luck, even bamboo gets stuck in its teeth. That's Bai Mo for you. He illegally cultivated into a spirit, damaged critical infrastructure, and destroyed private property. The Monster Management Bureau caught him and made an example of him. Since it was his first offense, he only had to pay a fine.
So, after counting through the tens, hundreds, thousands, and ten-thousands... he was left with an eight-figure debt. Even a national treasure had to become a generation buried in debt.
Bai Mo: I repent. I really shouldn't have been so greedy over a bite to eat. I've brought shame on pandas everywhere.
Before even setting foot in the modern city, this national treasure had already run up a colossal debt. Now he could only fight back tears as he tried every way he could to pay it off.
Theme: Even spirits must obey the law, keep their feet on the ground, work hard to earn a little money, and take responsibility for society.