Riftan’s POV (Under the Oak Tree Side Story) - Chapter 20

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.

A modern university graduate, traversing the window between two worlds, steals a celestial cultivation opportunity that originally did not belong to him. And this celestial technique, quite unorthodox...My credibility should be assured. In order to be responsible to the readers, I must earnestly remind you: my book is easy to linger on in your thoughts, so proceed with caution.

A person cut down the road of life in troubled times.

Zombie: Roar.

Lin Fan: “Everyone is a neighbor, so why are you so irritable?”

Lin Fan: “I still have to go grocery shopping.”

Lin Fan looked at Xiaoqing who had turned into a zombie: “Xiaoqing, I bought a few bottles of water and have already scanned the code.”

Lin Fan: “Boss, I want to settle the salary.”

Sunshine Community, where Lin Fan lives, countless refugees flocked to seek shelter.

We have to learn from Lin Fan, abide by the law, work part-time to earn money, strive to buy a house and a car, and be an excellent citizen in a city where zombies are rampant.

- Description from novelbuddy

Luis, a poor 17-year-old boy, tries his luck at becoming an Awakener to change his fate. However, his dreams are shattered when he fails to awaken a Special Spirit and is instead saddled with a 5 million dollar debt by their planet's colonizers, the Flying Star Empire.His life seemed doomed—until a mysterious system suddenly appeared in his head: The Monster Transformation System. It gave him the power to transform into any monster or animal he had ever seen.From a cat to an eagle, even a horse, Luis begins to understand that his power may not come from Spirit... but from the ability to become any monster.