Only Wisdom Awakened - Chapter 12: Loan sharks

Every novel has a slag character, the one who decides to abandon the protagonist at his lowest, most helpless point, either because he can’t stand the poor guy’s circumstances or for other reasons. But after the protagonist wins his way in life again, they’re the ones who beg with broken sobs to be taken back.

Still, water once spilled can’t be recovered again.

Yet the unlucky Shen Jiayan has been bound to a Water Recovery* System to do just that.

*water recovery – comes from an idiom that means “spilled water can’t be recovered” (English equivalent: there’s no use crying over spilt milk).

- Description from Novelupdates

Ye Xuan was transmigrated to the Qingyun Sect and became the youngest elder. At the same time, he had also received the 10000x Disciple Cashback System.

From a young maid to a previous noble lady and the demonic empress, he accepted all of them as his disciples.

No matter what he gifted and taught his disciples, he would receive the same thing back in 10000 folds.

“Ding! You have given your disciple a low-grade Nirvana Pill. You have been rewarded with the Heaven Path Pill.”

“Ding! You have given your disciple the Sky Blazing Sword. You have been rewarded with the ancient divine sword, God Slayer.”

“Ding! Your disciple’s cultivation has increased by a year. You have been rewarded with 10000 years worth of cultivation.”

Ye Xuan continued to accept more disciples until one day, one of his disciples, the empress, exposed his identity.

It was then that the world learned of a person who was the strongest.

What if your worst enemies suddenly became your most devoted allies—because you turned them into irresistible, enchanting femboys?Meet Cecil: a cunning, ruthless mastermind hiding an extraordinary power beneath his calm exterior. With a single stroke of his feathered pen, he transforms those who dare to cross him into beautiful, loyal members of his ever-growing harem. But this isn’t some silly game—it's a calculated campaign to build a nation unlike any other.In a world of secrets, magic, and brutal politics, Cecil must navigate a treacherous landscape filled with dangerous foes and hidden agendas. His targets? Only those who insult, threaten, or betray him. His allies? A charming, fiercely loyal band of femboys who live by his side in a shadowy sanctuary.If you think power is all about strength and magic, think again. For Cecil, true power lies in control, seduction, and a pen that changes fate.Welcome to the Velvet Court—where loyalty is beautiful, and revenge is intoxicating.

“The world’s not fair, but fairness doesn’t pay the bills. You don’t wait for a handout — you build your own damn ladder, one step at a time.”Ethan Grey’s life was built on ambition, hard work, and hope — until a single accusation destroyed it all.Framed by his ruthless boss, Ethan loses his job, his reputation, and is left drowning in half a million dollars of debt.Cast aside by a society that thrives on crushing the weak, he’s at rock bottom with no way out.But in his darkest moment, something extraordinary happens. A mysterious system awakens, offering Ethan a second chance — but with rules.[Congratulations, You have awakened the Harem Investment System]It can’t make him rich overnight, and it won’t give him shortcuts. Instead, it points him toward physical investments: crumbling properties, broken-down machines, and forgotten treasures.Each one is a gamble, but with every success, the system rewards him with newfound skills and opportunities.