No Money to Cultivate Immortality?

In a world where cultivation resources are a commodity, Zhang Yu finds himself in the body of a debt-ridden high schooler. Spirit-root transplants, breathing techniques, and even opening meridians require payment, often through a "QiCard." Facing debt collectors with a thirty-day deadline, Zhang Yu must rapidly monetize his every action to survive. He resorts to desperate measures, livestreaming fights, selling black-market talismans, and securing mid-battle sponsorships to fund his cultivation. As he ascends from a penniless freshman to a renowned "High-School Saint," he uncovers a predatory system where classmates are exploited by fintech sects, exam-hall death matches, and an influencer economy fueled by broken aspirations. This frantic pursuit of monetized immortality offers a darkly humorous yet terrifyingly relatable reflection on modern pressures. The narrative further illustrates this through a young man seeking revenge, only to be offered cultivation via a "Mana Loan" from the Heavenly Court, a platform providing interest-free initial cultivation with low daily rates, mirroring the exploitative financial landscape. Zhang Yu, however, dismisses such advertisements.