Honghuang: I Owe the Heavenly Dao Billions of Merit Points from the Start

Zhou Yuan's true spirit enters the Primordial World and binds itself to the Heavenly Dao Credit Card. He goes on a wild credit-card spending spree from the start, getting an Innate Immortal Dao Embryo, Innate Chaos Treasures, Innate God-Demon Secret Arts... He gets it all!

Before he knows it, he has racked up a debt of billions of merit points!

Just then, the credit card warns him that if he fails to pay on time, heavenly punishment will descend, annihilating his soul!

Holy crap

To stay alive, he begins frantically seizing merit. Nuwa Creates Humans, establishes a sect and attains sainthood, creates the Six Paths of Reincarnation, and establishes the Three Sovereigns and Five Emperors... He intends to get involved in every single one!

And to keep the protagonist from dying in an "accident" and making the debt impossible to collect, the Heavenly Dao itself changes sides and protects him at every turn.

Laozi: "You brat! How dare you steal my position as Leader of the Human Sect?"

Yuanshi: "You thief! Don't run! Give me back the Apricot Yellow Banner!"

The Heavenly Dao: "Ahem..."

The Sages: The Heavenly Dao is unjust!