Why Is the Concubine of the Reborn Creditor a Monk?

Why is the concubine of the dead creditor a monk in Rebirth and Cultivation? Reborn in the world of cultivating immortals, with high debts, Xia Wuyou chose: Pay off the debt honestly? Run away decisively? Nonsense, it's all beyond that, of course, just kill the creditor directly. But why is the mistress of this gangster creditor actually a monk? The monks in this world are too crazy.