Which Cultivator Will Repay the Loan First?

Spiritual energy loan is the most important mechanism innovation in the whole book. The world of cultivating immortals has a financial system that is highly isomorphic to modern society - monks borrow cultivation resources from sects or chambers of commerce through "spiritual contracts" and repay the principal plus "spiritual energy interest" on schedule. If the period is overdue, the spiritual roots will be sealed and the cultivation level will be frozen, which will be enforced by the "Debt Collection Hall". The protagonist Shen Chi is hit by a huge spiritual energy loan left by his late father at the beginning, and falls into the double dilemma of "if you don't repay the loan, your spiritual roots will be wasted, and if you repay the loan, you will have no resources to practice."