I'm in Debt, Cultivating the Way to Heaven, Begging Me Not to Die

After traveling through the world of immortality for three years, Chen Xuan not only failed to accumulate any spiritual energy, but instead became the most eye-catching "super bad debt" in Tiandao's ledger. Luck value: -999,999. Suffering from the "thousand-year mold", he was struck by lightning while walking, drank water through his teeth, and was about to be forcibly liquidated by the sect as a bad debt. At the critical moment, Chen Xuan awakened from the "Cause and Effect Ledger" and discovered that all the immortals, Buddhas, gods and demons of all ages were cultivating immortality by "overdrafting" the assets of heaven!