Tiandao Credit Report: I See Through Xianmen's Balance Sheet

The protagonist is the only one in the world who has zero debt in heaven. He is unable to practice, but he can see through all the monks' debt sheets and countdowns to bankruptcy. He does not lend money or borrow money. He relies on observing debt bubbles and shorting Xianmen, step by step to uncover the ultimate scam of Tiandao itself as the largest loan banker.