I Owe Millions in Debt and Am Forced to Accumulate Merit at the Beginning.

Shen Yuan is the number one fraudster in the world of cultivation. In his previous life, he deceived everyone in the world, almost defrauding the ancestral tombs of the nine great immortal sects... Ah no, even the treasure troves. However, he fell short of success and was nailed to the Immortal Punishment Pillar by the righteous coalition forces, and his soul was shattered. When he opened his eyes again, he was bound to the [Tiandao Merit Loan System]. The system generously gave him the legendary [Innocent Dao Body], and then handed him a bill: "Dear, you have successfully borrowed one million merits, with a daily interest rate of 3%, and the interest is compounded. Please pay the first installment interest of 30,000 merits within twelve hours. If it is overdue, the 'Nine Heavens Thunder Tribulation' collection service will be triggered~" Shen Yuan looked at his empty merit column and his eyes darkened. Since then, the style of painting in the world of cultivation has changed.