MTL - White-Robed Chief - Chapter 23 Destroy

The Coinbound System lets him buy spells, skills, and stat boosts like a magical vending machine...But nothing comes free.Every fireball costs gold.Every body enhancement? Taxed.Even getting a suggestion comes with a convenience fee.While nobles train for years to master a single flame spell, he can just buy it off the System. From summoning spirit beasts to crafting forbidden runes, his power grows with every coin he scrapes together… and every unnecessary expense he dodges.But in a world where magic is passed down through noble bloodlines and ancient family grimoires, a broke outsider with a price tag on every spell has no business rising through the ranks.Still, he’s surviving. Thriving, even.So long as he tracks every copper and refuses to overspend on fireballs, he just might make it out alive.They call him cheap.They call him stingy.But one day… they’ll all remember the name:The Frugal Mage.

Chi Yan had always had a weak constitution, and ghosts had always tried to kill him. He had tried many ways to change his situation, but it was all futile.

Coincidentally, Third Master Ye of Shiming City passed away, and a priest informed Chi Yan that Third Master Ye possessed the “look of demon,” Carrying a bit of this man’s ashes and installing an altar for him at home could help control the evil spirits around Chi Yan.

Left with no choice, Chi Yan took a gamble. Amazingly, it worked. However he didn’t expect that he’d be instead be haunted by the most persistent ghost of them all.

Obsessed with love, undying resentment, possessed by evil.

- Description from Novelupdates

He was the continent’s strongest and most revered alchemist, Ye Zifeng. He was under one person and above millions. However, due to an unpredictable event, he had died. After his rebirth, he had become the supertrash of the Ye family and suffered disgrace. To make matters worse, he had an argument with his fiancé that led to the break off of his engagement. In this second life, he will work to change his own destiny. He vows to return to the peak of the world, trample on those who laughed at him and rewrite his legacy!

- Description from Novelupdates

There’s SIS in great Britain, CIA in the US. In Huaxia, there’s Dragon Division, known as the mysterious power of the East.