Torrential Rain Disaster: Hoarding a Hundred Billion from the Start

On the third day of the world-ending downpour, Lu Ling'er woke up in her rented apartment. The System interface floated before her eyes, and she had just enough survival points to redeem three days' worth of food. Suddenly, a shrill scream came from upstairs: “Help! My daughter is still inside!” A System prompt flashed: [Help your neighbor and her daughter, reward: 50 survival points; refuse, no penalty] She gripped her fire axe and looked through the peephole. Auntie Zhang from across the hall was clawing frantically at the iron door, her eyes cloudy and black blood trickling from the corners of her mouth. Help them? She might die. Leave them be? Those 50 points could keep her alive for another half a month. And the water was rising at a rate of five centimeters an hour…