MTL - My Cold and Beautiful Wife - Chapter 4035 nailed it

“Finally, the owner has appeared. You read me.”The Archmage’s legacy, the Book of Truth.Binair Dalheim, a dropout of the Elfenbein Tower, accidentally discovers the Book of Truth.“I will awaken your magical talent. In return, complete me.”The dropout boy, whose dormant talent has been awakened, begins his journey to retrieve the Book of Truth as requested.

The ordinary world is not ordinary, ordinary people are not ordinary, and safe places are not safe.

This is a story of a passer-by male protagonist who is entangled by various girls with strange hobbies or even non-human beings while surviving in the cracks and opening a harem.

- Description from novelbuddy

The future unfolded on a magnificent scale into the Interstellar Age. Humanity finally solved the space warp technology, but when humanity transported themselves into the other end, they discovered that place neither had a past nor future, nor was there any land under the starry skies……

The mysterious sanctuary was actually a world filled with countless tyrannical unusual organisms. Humanity faced their great leap in evolution, starting the most glorious and resplendant new era under the starry skies.

“Slaughtered the God Blood organism ‘Black Beetle’. Received the God Blood Black Beetle’s Beast Soul. Used the God Blood Black Beetle’s flesh. Randomly obtaining 0 to 10 points of God Gene(s).”

- 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.