MTL - I Am In Marvel - Chapter 115 Goal, above God

Nagi Travers, a 20-year-old shut-in and former gaming champion, lives a miserable and isolated existence after being tormented by bullies throughout his life. Fired from his last job and grieving the loss of his parents, Nagi now survives by playing video games and barely ventures outside. His world spirals further into despair when he encounters Jake and Mary, his former high school bullies, who humiliate him and steal his money.Broken by the return of his tormentors and the weight of his past, Nagi contemplates suicide as his only escape. Just as he’s about to take his life, a small girl’s ball rolls into the street, with a speeding truck barreling towards her. In a moment of selflessness, Nagi rushes out and saves the girl, sacrificing himself in the process. Fatally injured, he reflects on the idea that it's better to die doing good than bad.Nagi awakens in a surreal, white world, where he is greeted by an angelic figure who offers him two choices: remain in eternal peace, free from suffering, or be reborn in a different world where he could seek redemption and a second chance at life. Nagi faces a life-altering decision—rest forever or attempt to find meaning and fulfillment in another world.

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.

Yu Zhengdu joined a small start-up company that claim to offer “life management services”……as a programmer.

On his first day in office, he received a phone call from a stranger: “Hello, I received a text message from your company that informed me of my reincarnation tomorrow……”

Yu Zhengdu: “……??”

Shang Que, the beautiful little boss, said, “New employee, welcome to the Hell organisation in the human world. A thousand years ago, I was known to the human world as the Ghost King of Luofeng Mountain.”

Yu Zhengdu: “……??” From then on, he was incredibly distressed about the development of Hell.

- Description from Novelupdates

This is a therapeutic romance novel that mixes psychology and science fiction.