You Old Thief of Heaven, Let Me Buy on Credit

[Urban High Martial Arts + Chaotic Martial World + Fantasy Cultivation] People cultivate immortality in pursuit of a debt-free Heavenly Dao. They dare not take opportunities lightly or force breakthroughs, fearing the Heavenly Dao will keep score, and they'll have to repay every gain with their lives. Shen Yi doesn't care. He calls it “borrowing.” [Heaven-Connecting Talisman activated.] [Requesting an advance on eighth-grade Cosmic Cycle Realm fist power.] [Verifying credit limit... Approved.] Others pay off their debts to the Dao with their lives. He settles his debts to the Dao in monthly installments. Heavenly Dao: That's the forty-first advance you've taken this month. Shen Yi: What's the rush? I'll pay it all back at the end of the month.