Do I Also Need a Loan to Become a Wizard?

Annuo traveled through time and came to a modern wizarding world. He thought it was a traditional wizarding world, but found that it was a wizarding world where capitalism had been developed to the extreme. Talent trading, bloodline leasing, potion installments, meditation subscriptions, etc. Even absorbing elements requires a fixed monthly fee. Fortunately, it has a panel with two functions. An "equivalent optimization" can optimize known knowledge in an advanced direction. An "advance future" can instantly maximize your skill proficiency. With these two abilities, Annuo studied new knowledge and followed the scholar-shaman school while improving himself. When he stood at the top of the star realm, he looked back. It's all about loans. Student loan, meditation loan, dragon loan, bloodline loan, scholar loan, legend loan... "Except for a little bit of insignificant self-effort, all I can get to this point is thanks to loans!"