Why the bug I wrote became a core gameplay mechanic?!
Chapter 666 - 649: The First Lesson about Online Loans for Young People (Additional Update)

Chapter 666: Chapter 649: The First Lesson about Online Loans for Young People (Additional Update)

Hou Ji was deeply disappointed: "... Do you even need to say that!

"Don’t you think I know about spending money? I’m poor!

"With that money, I might as well buy an account on **Endless Fantasy Legend 2** and have fun."

Zhuge Jun explained, "Of course, I know that. I’m just analyzing this method’s feasibility for you.

"Look, with the Cultivation Loan, if you want to make money in the game, there’s no way you can earn that much at once.

"You can only earn a bit every day and pay off the interest first. It’s like being slowly bled with a blunt knife.

"Your interest has already skyrocketed. The longer you wait, the more you’ll lose.

"So whether you grit your teeth and keep playing, or you delete your account, it’s a loss either way.

"But if you spend money, you can pay off the principal all at once. Although you still have to pay the generated interest, you no longer need to pay the unabated interest.

"Compared to spending the money directly, this is a minor loss, but it’s much more cost-effective than the other two options."

Hou Ji was dumbstruck, but after some deep thinking, he had to admit that Zhuge Jun had a point.

In this game, early repayment was allowed. If the player was strong enough, they could pay off the principal all at once, and naturally, they wouldn’t need to pay the unabated interest.

So, how could he pay off such a large amount of principal in advance?

Either he won the lottery, or he stumbled upon some extremely rare and precious resources in the Barbaric World and made a fortune in one go; or he could spend money, using the Blue and Green Modifier to tweak the game.

Hou Ji looked at the principal he currently owed from the Cultivation Loan.

It amounted to more than 500 dollars.

This was under the condition that he had only used the Cultivation Loan to buy basic Nine Dragon Elixir Pills, a flying sword, and Magical Treasure. He didn’t even dare to look at the high-end stuff that only whales could afford.

Even so, he had unknowingly racked up over 500, and if you counted the interest, it probably needed a 648 recharge to cover it.

"So doesn’t this mean that I really took a loan?

"Originally, Cultivation Loans could be written off if the player died. I could delete my account and save 648, but now I have to spend real money. I’m not willing to accept that!"

When Hou Ji thought about how 648 could buy a decent account on **Legend of Infinity Fantasy**, and how he could take his brothers out for a lavish meal, he felt indescribably miserable.

Zhuge Jun coughed lightly twice: "It depends on how you want to play.

"If you don’t want to spend a penny, the best way is to quit the game and stay away from this trash game.

"Consider your previous account as a free gift from Nitiandang.

"But you can also choose to recharge 648, pay off the debt, and from then on, your character will be free.

"After that, don’t borrow from the Cultivation Loan again like me. Sell all the rare materials you earn every day and cash out for some ribs.

"Earn ten to twenty dollars a day. Within a month, you’ll have earned back the 648.

"After that, it’s pure profit."

Hou Ji blinked in confusion. He felt there was something off about what Zhuge Jun said, but he couldn’t pinpoint exactly what was wrong.

To make money, spend money first?

The more he heard it, the more it didn’t sound right!

But given the current state of the game, that was indeed how it worked.

In other games, spending 648 to avoid deleting an account would be sheer madness, as the money would be wasted.

But in **Reverse Heaven**, ordinary players could also make money, so the 648 could be considered startup capital, which sounded better.

Of course, maintaining Zhuge Jun’s level of income long-term was difficult.

If new players decreased or there was a mass exodus of players, or if there were severe price fluctuations, future income could be affected. In-game prices were unpredictable and not as stable as real-world currency.

But considering the current state of the game, it should be fine for a few months.

Hou Ji found himself deeply torn again.

Ultimately, he looked at Zhuge Jun: "Hey, foster father, how about you lend me 648 first...

"I’ll pay you back once I earn some money in the game, absolutely trustworthy!"

After recharging, Hou Ji looked at his newly liberated character and let out a heartfelt sigh.

"Nitiandang really knows how to trick people into spending... Such a huge scam!"

...

A new week began, and both free-to-play players and whales had their own worries.

Many free-to-play players had their Cultivation Loan debts blown out, facing the same life-and-death dilemma as Hou Ji.

Should they stay and grind forever? Delete their account? Or just spend some money?

The whale players, on the other hand, had completely different worries.

Their characters exploded again!

At this time, the game started to see the first wave of body explosions.

Cases like Instructor Ding, who had two explosions within a short time, were rare. Generally, whales who took Nine Dragon Elixir Pills as recommended were just reaching the peak of their first body explosion wave.

Before the explosion, many people held onto a glimmer of hope.

Even though the toxicity to their internal organs was severe, they felt they could hang on!

Maybe stopping the Nine Dragon Elixir Pills for two days would be enough?

But when it was time to explode, explode it did.

This inevitably led to a lot of negative emotions.

If it were any other game, they might have quit already, but **Reverse Heaven** was special; if everyone exploded, then it was like no one exploded.

Once players got used to this setting, an explosion was like having weapons break during enhancement in many games, and it was accepted by the core player community.

And as players continued to increase their cultivation levels, the advantages of the Six Major Sects gradually became apparent.

The player community in **Reverse Heaven** was very active, and naturally, some had sorted out a tier list for the Six Major Sects.

Based on the situation since the server opened, the strength ratings were roughly as follows:

T0 level: Wuxiang Pill Alliance, Time Wheel Zen Sect!

T1 level: Erosion Spirit Heavenly Palace, Jiuxiao Yunque!

T2 level: Life Star Pavilion, Xuanji Immortal Mansion.

The strength of the Wuxiang Pill Alliance was visible to the naked eye. As the main supplier of Nine Dragon Elixir Pills, its disciples had been able to purchase the pills more cheaply than others since the beginning, and their success rate in Alchemy was also higher.

Not only that, the Sect Secret Technique of the Wuxiang Pill Alliance also enhanced resistance to the pills’ toxins.

Brother Li had survived for so long without exploding partly because his character’s body had a naturally high drug resistance, and partly due to the effect of the Wuxiang Pill Alliance’s Sect Secret Technique.

Many strength-chasing whales had already made the Wuxiang Pill Alliance their top choice.

After all, in this game, Nine Dragon Elixir Pills meant power, and the more you could take, the stronger you became.

Time Wheel Zen Sect’s unique advantage lay in the Time Loan, offering discounted or even interest-free options for sect disciples.

It was through the unique mechanism of the Time Loan that the player Zianshang managed to secure a significant cultivation boost, successfully rising to the top of the Heavenly Pride List within a short time.

Although taking out a Time Loan had some side effects like Zianshang’s lifespan being reduced significantly, limiting his time on the Heavenly Pride List, it also led to a tangible increase in combat power.

Erosion Spirit Heavenly Palace was more balanced, with its Body Refining and Qi Gathering being naturally more efficient and with no significant side effects. The Ghost General Puppet wasn’t particularly strong, but if you were willing to spend money, it was like having a baby that could effectively complement your combat power.

Jiuxiao Yunque seemed to be a sect for divine-level whales, with its Sect Secret Technique, the Heart Clarity Spell, cleansing all toxins from Nine Dragon Elixir Pills while losing 70% of the pills’ cultivation benefits.

This meant free 30% of the effects of the Nine Dragon Elixir Pills without side effects.

However, the Heart Clarity Spell had a cooldown period and couldn’t be used indefinitely.

Besides, even if other whales’ bodies exploded, it didn’t take too long to recover their cultivation, so overall, Jiuxiao Yunque could share the table with Erosion Spirit Heavenly Palace.

Effective, with no big side effects, but still, it couldn’t compare with the clear version favorites, Wuxiang Pill Alliance and Time Wheel Zen Sect.

Life Star Pavilion and Xuanji Immortal Mansion were currently at the bottom.

Because most players hadn’t reached this level, it was hard to determine the actual strength of these sects.

Life Star Pavilion could benefit from players crossing tribulations, but only players at the Core Formation or higher realms needed tribulation crossings. Currently, only top-tier whales and players with significant Cultivation Loans had reached the Core Formation threshold.

Xuanji Immortal Mansion could help players form Tao Companions, but the quirky aspect of this game was that the feature only unlocked at the Nascent Soul level.

Before achieving Nascent Soul, one was unworthy of seeking Tao Companions.

This was even more restrictive than Core Formation, making players who ended up in Xuanji Immortal Mansion feel like ultimate suckers.

However, some players believed that Xuanji Immortal Mansion was designed for the late game. Patience!

When the server had been running long enough, and there were enough Nascent Soul players, those in Xuanji Immortal Mansion could become matchmakers, oh no, they could connect people tirelessly and make tons of cultivation gains!

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