My Superpower Is Installment Payments

Spiritual energy has been revived for hundreds of years, and supernatural powers have become hard currency. Rich people squander their youth with "life enhancement", while financial giants reap wealth with "destiny advance". And I, Lin Xiao, have awakened the power of [Instalment Payment] - I can delay payment of all costs. I once used it to pretend to be a genius and allocate my energy for the next three days to sprint for the exam; I also used it to pawn my ten years of memories in installments to save my loved ones. Until the global financial crisis broke out, "debt" materialized. Countless overdrafters have been devoured by their own costs. Amid the doomsday wails, the creditors who were once aloof were horrified to find that I, the biggest "debtor", calmly opened my palms. "Welcome to my moment of reckoning."