Why the bug I wrote became a core gameplay mechanic?!
Chapter 647 - 630 Time Loan Victims Appeared

Chapter 647: Chapter 630 Time Loan Victims Appeared

These inner sect disciples can earn a small amount of cultivation points based on the business they handle for other players.

Though the cultivation points are very minuscule, they accumulate over time!

If one can really sign dozens or even hundreds of players, it would significantly boost the inner sect disciple’s cultivation, helping them stand out in the internal competition.

Ranking higher would attract more attention and resources from the sect.

Chen Tingquan sighed, "Bro, the competition among whales in the six major sects is also this intense?"

Jian Shang sighed, "The competition in the six major sects is even more intense.

"If you consistently rank at the bottom, there’s a chance you might be kicked out of the six major sects. Although the probability is not high, the internal turmoil within the six major sects is no less fierce than other sects.

"Besides, even among whales, there’s a difference. I can’t just eat Nine Dragon Elixir pills like those top whales to stay full.

"I started playing this game with a budget of around ten thousand yuan. Spending 648 yuan at the beginning is acceptable, but to maintain this cultivation efficiency in the six major sects, what can a budget of ten thousand yuan do?

"I initially thought this game should have some commercial skills to make money, so I intended to be the Great Goblin in the game.

"Unexpectedly, I found internal benefits in the six major sects without much effort.

"I have no idea why suddenly so many people are here for Time Loan, during the day it was quiet.

"How about it, bro? I’m not playing tricks with you. I’m just an ordinary inner sect disciple now, not a Heavenly Pride, so the discount is limited. If you borrow for 2 years, you’ll need to repay 3.8 years, which is more cost-effective than doing it officially.

"All inner sect disciples have the same discount amount. You can check online if you don’t trust me. If I were to lie, it would be exposed immediately. I can tell the difference between being full once and being full all the time.

"Let’s add each other as friends. When I become a Heavenly Pride of the Time Wheel Zen Sect, as an old customer, I’ll give you the best price for Time Loan."

It’s really tempting.

Initially, Chen Tingquan and Li Wenhao planned to leave, intending to observe the turmoil on the ten-year disciple and century disciple rankings before deciding, but now they were swayed.

If there’s a discount, the same Time Loan would provide them with more cultivation points than others.

Just that little advantage is enough to ensure they could enter the ranks of excellent disciples or even outstanding disciples on the ten-year disciple or century disciple rankings.

Chen Tingquan considered for a moment and said to Li Wenhao, "Let’s do it. There’s an old saying, don’t put all your eggs in one basket.

"We three brothers should follow different paths. Surely one of them won’t be turbulent."

Li Wenhao pondered, "Hmm, that makes sense.

"Okay, then you calculate how many years I need to borrow, enough to reach Foundation Establishment?"

Jian Shang really started calculating.

He muttered to himself, seemingly adjusting parameters on a specific interface, then said, "About 12 years, repay 24 years. With the discount, it should be around 22 years."

Li Wenhao nodded, "Okay, let’s go with that!"

Clearly, Li Wenhao had planned it out.

Chen Tingquan, Liang Chun, and Li Wenhao were respectively following the paths of one-year disciple, ten-year disciple, and century disciple.

Of course, there are particularities to the Time Loan; it can’t be borrowed indiscriminately.

Converting lifespan-wise, even with a discount, Time Loan is not worthwhile, as the repaid lifespan far exceeds the lifespan consumed by normal cultivation.

For a one-year disciple to be promoted to a ten-year disciple, normal cultivation would definitely not take ten years in the game.

Unless the player is extremely lazy, there’s a possibility they can’t become a ten-year disciple and are expelled from the sect.

Normally cultivating for less than ten years, while taking out a Cultivation Loan, would require borrowing 12 years of cultivation and repaying 22 years. It comes down to three words: Totally unworthy.

Furthermore, the more one borrows, the greater the loss. Impulsively borrowing for 50 years might yield a lot of cultivation points at once, but it would also instantly age them into a centenarian.

And if the borrowed cultivation points aren’t enough to upgrade to Core Formation, they’re doomed and will be expelled from the sect; apart from restarting, there are no other options.

So Li Wenhao only borrowed enough to reach Foundation Establishment, which is the minimum threshold for not getting expelled as a ten-year disciple, planning to cultivate himself as much as possible thereafter.

Jian Shang nodded, "Alright, bro, I’ll arrange it for you!"

He raised his hand, taking out a special magical treasure, and a large amount of text appeared in the air. The next second, the details for signing the Cultivation Loan appeared in front of Li Wenhao.

It included the loan term, obtainable cultivation points, and the discount compared to official NPC handling.

To be fair, the game has quite detailed mechanics, fair to everyone.

Li Wenhao reviewed it carefully, found no issues, and clicked ’Sign.’

The next second, a special void vortex appeared in front of him, colorful fumes emerged from the void, quickly converging into his body!

In his internal organ interface, the original Qi Refinement realm cultivation rapidly advanced, eventually reaching Foundation Establishment, and finally stopped.

However, his character’s lifespan also increased by 22 years.

In "Reverse Heaven," the lifespan of characters is somewhat different from typical cultivation novels. Normally, Foundation Establishment would give two to three hundred years of lifespan, but "Reverse Heaven" probably shortens their lifespan due to game mechanics.

Li Wenhao had an inexplicably unreal feeling, "Did I just achieve Foundation Establishment so easily?"

Jian Shang nodded, "Yes, according to the game’s settings, Foundation Establishment is fairly simple.

Strictly speaking, Foundation Establishment is not very different from Qi Refinement. If you were to borrow enough to reach Core Formation... I don’t even know if you can borrow that much, but for Core Formation, you’d have to withstand Heavenly Tribulation.

Alright bro, it’s a pleasure doing business with you, let’s add each other and next time you need a Cultivation Loan, come find me."

Jian Shang said, then flew off on his sword to sell to others.

...

Li Wenhao and Chen Tingquan wandered around the Barbaric World. Li Wenhao’s attributes significantly improved after reaching Foundation Establishment, making the adventures in Barbaric World easier.

However, his Foundation Establishment felt somewhat insubstantial.

A normally cultivated Foundation Establishment would have corresponding spells, magical treasures, cultivation techniques, etc., but his was just Foundation Establishment, akin to a max-level naked character in MMORPGs.

A mere accumulation of max-level stats, easily shattered in high-intensity combat environments.

They collected some ores before flying back to the sect.

Game time was about up, they agreed to battle again tomorrow.

Just as they flew near the sect, they saw a player on a flying sword being captured by sect guards.

Songyang Middle School of Henggang Sect had many guards too, all burly, usually patrolling on flying swords.

Chen Tingquan had never seen them in action before, so it was surprising to witness one today.

They quickly flew towards the white-haired player and captured him on the spot.

The player was stunned, and other players were also confused.

"What’s going on?"

Everyone was curious.

The guard said, "Cultivation has reached a century, yet you haven’t achieved Core Formation. How can Henggang Sect accept such trash!

"From now on, you’re expelled from the sect, get lost!"

The white-haired player was dumbfounded, "Hey! Wait, I’m about to achieve Core Formation, just about to! Just about to!

"Darn! What’s wrong with this crappy game!"

He tried to resist, but upon expulsion from the sect, his identity jade was confiscated, and the sect’s teleportation point was locked.

Then, he was squeezed out by the sect’s Mountain Protection Array, almost enveloped by an invisible wall, unable to fly in with his flying sword.

"Dammit!

"I clearly have some lifespan left!"

The white-haired player floated there, hopeless.

Chen Tingquan and Li Wenhao were both shocked. Clearly, this was a classic case of Time Loan gone wrong...

According to Henggang Sect’s rules, century disciples must achieve Core Formation within a century, or they will be expelled.

Other sects naturally won’t accept those rejected by Henggang Sect.

This player probably took a huge risk, borrowing over forty years.

But that’s cultivation for you; the higher the level, the more cultivation points required, and Time Loan is inherently a loss.

In the Qi Refinement and Foundation Establishment levels, borrowed cultivation points suffice for upgrade, but at Core Formation, the borrowed points fall short.

This player took a chance, seeing that the borrowed points nearly sufficed for Core Formation, slightly lacking though.

He planned to convert the spirit stones into Nine Dragon Elixir pills for a final push, just enough to reach Core Formation.

Then, he could surpass the century disciple path, becoming an inner sect disciple.

But evidently, his estimation failed, expelled before achieving Core Formation.

Chen Tingquan and Li Wenhao watched him leave, silently contemplating, "This game is becoming more abstract..."

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