I Don't Want to Be a Bully in the World of Cultivating Immortals

You need to pay fees to get started, you need to pay taxes to practice, you need loans to make breakthroughs, and you need krypton gold to overcome tribulations. Is this the world of cultivating immortals? Why is this different from what I thought? If you travel through time, you will be in debt. What should you do? I don't want to be a cow or a horse! ! !