Emperor's Reckoning - Chapter 184: The Crown

A 34-year-old NEET otaku, chased out from his house by his family, found that his life is reaching a dead end. He then recalled that his life could actually have been much better if he had made better choices in the past.

Just when he was at the point of regret, he saw a truck moving at fast speed, and three high schoolers in its path. Mustering all the strength he had, he tried to save them and ended getting run over by the truck, quickly ending his life.

The next time he opened his eyes, he is reincarnated to a world of sword and magic as Rudeus Greyrat. Born to a new world, a new life, Rudeus decided that, “This time, I’ll really live my life to the fullest with no regret!” Thus starts the journey of a man yearning to restart his life.

Li Xiandao obtained the ancient Bank of the Universe but now the bank was totally empty and had no treasures at all. The only thing it had were a bunch of debts.

Follow Chen Ming as he accepts disciples, establishes a sect, and fights his way in a world that deems him a cannon fodder.
He goes against any common sense using his wits and novel knowhow to finish missions and arm himself against his cruel fate.

- Description from Novelupdates

Ye Qiu transmigrated to a world of barren wastelands. He obtained the 10,000 Fold Return System.