Cultivation of Immortality Begins with Paying Off Debts

Thirty years after the revival of spiritual energy, cultivating immortals has become the most expensive industry. It costs money to test spiritual roots, to download exercises, to pay for a credit check, and even if you fail to overcome the tribulation, you can pay for the losses caused by the thunder tribulation in installments. Lu Chen is just an ordinary low-class young man. No spiritual roots, no background, no savings. Until late one night, he received a text message: [Tiandao Credit Information Reminder: Your Yangshou account is seriously overdue. [Current balance: -30 years. [Please complete the repayment within seven days, otherwise your soul registration will be canceled according to law. Lu Chen originally thought it was a scam text message. Until the delivery boy downstairs who received the same text message aged forty years on the spot and died suddenly on the street. In desperation, Lu Chen opened the black account book left by his grandfather. The first page of the account book reads: [Debtor: Wang Qinian. [Debt type: life debt. [Liquidation reward: 30 days of Yang life, three points of Yin virtue, and one remaining page of "The Art of Defeating Life". From that day on, Lu Chen embarked on a path of cultivating immortality that no one had ever traveled before. Others rely on spiritual roots, sects, elixirs, and chance to cultivate immortality. He cultivates immortality by collecting debts from dead people. He who owes his life must pay with his life. Those who owe incense should pay it back in the temple. Those who owe karma will pay it back with the way. Many years later, the ancestor of the Immortal Sect could not come out of seclusion. The Yin Division judge personally handed over the account book, and the Tiandao credit system collapsed. Only then did all sentient beings in the three realms discover: That Tiandao gangster who couldn't even get a spiritual root loan back then has become the biggest creditor in the three realms.