MTL - The Beloved Imperial Consort - Chapter 198 up and down?

When an era came to an end, various forces set foot in cultivation to compete for immortality. A young boy who spent most of the time sleeping got lucky in the troubled times and became an unparalleled immortal who could cover the sky with a snap of fingers. Was he going to live forever?

- Description from Novelupdates

Unique skill ‘creditor’ which can bet with its debtors on the unpaid debts.

And the ability to take skills and stats!

Kang Yoo-sik’s chance to start a new life at the Hunter Military Academy.

The world was destroyed, the apocalypse descended, a new era began, and the right to survive as a Lord was granted to every person.Domains, Heroes, Troops, Treasures, Resources—all of the countless servers constructed by the myriad continents were opened up.Qin Muye looked at his panel, which was akin to cannon fodder, and his domain with its damaged suffix, and felt a strong urge to cry but no tears would come.No divine talent, no hidden hints, no overpowered Profession.“If that's the case, then I'll just have to adapt and live in a different way.”

Join Lu Yin on an epic journey across the Universe, pursuing the truth and tragedy of his past. This is a world of science fantasy where the older generations step back and allow the young to take charge of affairs. Heart-wrenching separations, terrifying situations, all with comic relief that will leave you coming back for more. This is a world where the other characters actually matter, and are revisited frequently as their own lives unfold. Dotting Lu Yin’s path are monumental feats of kingdom-building and treacherous political situations where he must tread carefully if he wants to get to the truth of his history.