Awakening The Weakest Talent: Only I Level Up - Chapter 40

A young boy genius, Suo Jia, is a water mage who dreams of being a warrior travelling the great and dangerous trade routes to find his lost father that set off on them before Suo Jia was born. Having to look after his sick mother, Suo Jia manages to find a way to solve all their problems, as well as make a name for himself. He gathers nobility, vast wealth, items of great power, knowledge lost to the ages, and exceptionally talented females around him as he plots and plans – preparing to set off on an epic journey that will go down in history as a new legend. However, will others that depend on his powers so much be willing to let him go on such a dangerous journey so easily?

- Description from Novelupdates

A calculating merchant of noble birth lives a comfortable life managing his guild's business at the Imperial Academy—until lightning strikes him, leaving him with prophetic visions of a disastrous future. In these visions, he's expelled from his family, branded a traitor who aids demons, and worst of all, becomes a penniless beggar. When the supposed “protagonist” of these prophecies enrolls at the academy, he realizes his countdown to ruin has begun. Now he must use his foresight to rewrite a story where he's cast as a third-rate villain, all while navigating ancient dungeons, demonic threats, and the troublesome “hero” who might be the key to changing his fate.#MoneyIsEverything

Entering Tokyo in the bubble era, in this strange era, the only familiar ones are Matsuda Seiko, Nakamori Akina, Kudo Shizuka…

- Description from novelbuddy

The world has changed into something like a game.

It resembles a survival virtual reality game where people were attacked by zombies and monsters.

And I was the last user of that game.