The Ethereal Domains - Chapter 4: Let me lend you some money

Before death Qin Tailong left two magic tools to his son, Qin Dong. In his father’s last words, Qin Dong realized his father had been murdered by Lord Wanpeng, who coveted one of the family magic tools—mystic chaos ring. Bearing the hatred in mind, Qin Dong swore to revenge against his foe. He escaped to the mortal realm temporarily, continued to strengthen his cultivation base and studied the secret hidden in the seals of the ring. While reveling the secret, he found five ladies were the key to the release the seals. Their romantic relationship with Qin Dong was established the moment he was born.

- Description from Novelupdates

Three years ago, he was framed and falsely imprisoned. His fiancée, trying to save him, was shamed, disfigured and trampled on, suffering humiliation ... Three years later, Qin Jiang, with his exceptional skills in both medicine and martial arts, made a powerful comeback!Xu Muge, from now on, I will be the one to hold up the sky for you!

The days where adventurers would roam the land and grow strong are long gone. More than 99.9% of the world's population is level 1, and in fact, leveling just isn't something people think about anymore, as almost every spawn point on the planet has been gone for close to a thousand years. Only the elites, the super rich, or the super lucky have access to spawn points, and because of this, they are like Gods among men: like superheroes. For people like Zach, life is a mundane, ordinary experience of getting up, going to school, working, and then going back to bed. But that's all about to change when he stumbles upon one of the only unknown spawn points in existence. And in doing so, his life is about to descend into a wild chaos he never could have expected. (Lit RPG, fantasy, action, slow burn)