MTL - Returning From Level 900 - Chapter 85 misunderstood

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.

“I am the rot in your foundation. I will crawl back from hell and bury this world.”Those were Red’s final words as his classmates—the people he once sought validation from—watched him dissolve. They stole his life force to fuel their own ascensions, becoming Paladins, Sages, and Kings. They threw his empty husk into the Abyss, satisfied the 'Terrorist's Son' was finally gone.But death was not the end. While his body lay broken in the abyss, his soul drifted to the sanctuary of a Forgotten God.Awakening the forbidden SSS-Rank Talent [Exponential Divinity - 100x Growth], Red realizes that in this world, power isn't given—it's built. He doesn't need heroes; he needs monsters.From the chitin of hyper-evolved insects to dragons, from eldritch horrors to the nightmares sleeping in the dark, he begins to construct a civilization that defies the natural order. Under his hand, the weak do not just survive—they evolve into calamities.The Heroes are leveling up in their golden towers. The Gods are watching from their thrones.But in the shadows, Red’s Strongest Civilization is already preparing for war.[Betrayed and sacrificed, I awakened an SSS-Rank Talent. While others struggle to build a village, my civilization grows 100x faster.]

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.

Nan Xun encountered a mythical beast that could take her to different worlds. She helped the mythical beast collect merit points. After collecting enough, she can go back and change the outcome of her death.

But now, now she regrets, regrets till her insides are turning green. Your mother, those merit points are collected from the scum villain with a blackening value of 100 and an evil value of 100 ah! She only wanted to purify the souls of those scummy bosses. Fu** she didn’t want them to fall in love with her ah ah ah!

Pervert number 1 eats people! Pervert number 2 is an evil ghost! Pervert number 3….

After Nan Xun realized they were all the same person, she closed her eyes and pretended to be dead.

The evil, charming, crazy Boss-sama gave her an evil smile: “Baby, weren’t you going to purify my soul? Come here.”

Nan Xun: “The evil we bring on ourselves are the hardest to bear, I really want to die, ah, what to do!”

- Description from Novelupdates