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... e try to get a loan from the bank, observe their procedures, then copy their loan documents and add some extra clauses."

He glanced at Mr. Fox beside him, "For example, after a certain period, even if you forfeit the collateral, you still need to repay the full amount of the debt and interest. This way, you can ostensibly lower the interest rate."

This approach is a variation of the bank's usual play. If one can't repay the debt in time after taking out a bank loan, they will the ...

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The dungeon boss feared by countless players turned out to be the little loli who called her big brother next door.

then.

In the horror hospital, the director of the hospital turned out to be the uncle downstairs who made him and his granddaughter fall in love.

In the bloody slaughterhouse, the existence known as the bloody butcher turned out to be the uncle upstairs who wanted him to be his brother-in-law.

In Changteng Ghost School, the woman who frightens countless students is actually the long-legged sister Yu who invites her to her house for dinner whenever she has nothing to do.

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In the world of cultivation, countless tales follow righteous protagonists, fated heroes blessed by destiny, or those chosen by heaven to walk the path of immortality.But what of those who stand in their way?What of the villains? The so-called obstacles to the hero’s journey—do they not bleed, dream, and struggle as well?Xiao Ning was never meant to succeed.From the very beginning, the Grand Dao wove him as a stepping stone—a necessary sacrifice to elevate another. His path, like that of all designated ‘villains,’ was doomed to failure by design.But what happens when that design is defied?After death, Xiao Ning awakens—not in the cycle of reincarnation, but in the cold silence beyond it. There, he is offered the Eternal Paradox Codex—a forbidden artifact containing the hidden truths of the Grand Dao System itself.Rules. Loopholes. Vulnerabilities.Knowledge not meant for those like him.With this power, Xiao Ning is granted a single, impossible choice: accept oblivion, or step outside the Grand Dao entirely—to abandon fate, sever karma, and cultivate a path unbound by heaven or law.It is Xiao Ning’s journey, from ashes to something beyond comprehension.Not to become an Immortal among men.But something even the heavens dare not bind.If fate is a chain…Then let him forge his own path in the void beyond.Welcome to this humble tale.The cultivation world is vast and unkind.Let us begin again—on our terms.

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He put on his black top hat and stood on top of the ruins.

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Chen Lun: “Player spawns monsters, I spawn players, this is in the Taihe River…”

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