The way the black-robed player spoke actually made Jiang Ye feel like—

If he lost this match, he’d be like a deflated balloon, forever stuck on a downward spiral, doomed to become just another mediocre nobody in the vast crowd of the ordinary.

The worst part?

He had read countless cultivation novels where the concept of an "Invincible Path" existed.

The idea that the protagonist never loses throughout their entire life—ultimately reaching the peak of the world without a single defeat.

So...

Originally, Jiang Ye had thought this win streak wasn’t that important.

But after this golden-tongued salesman finished talking—

Suddenly, he felt like—

He absolutely couldn’t lose this match!

But…

After thinking for a moment, Jiang Ye asked,

"What if my Survival Jade Token doesn’t have any Survival Points in it right now?"

The black-robed player wasn’t surprised. Instead, he explained,

"That’s not a problem at all."

"I can help you apply for a ‘Use First, Pay Later’ deal."

"In other words, you can secure your win streak now and pay back the Survival Points within the specified time."

"However—since players in this Apartment Survival Game can die at any time, the seller bears all the risk in a Use First, Pay Later deal."

"So, to compensate for that risk, the buyer has to pay extra."

Jiang Ye immediately understood and asked, "How much extra?"

"Roughly double the original price."

Holy sh*t! "Only" double?! 𝚏𝐫𝚎𝗲𝕨𝐞𝐛𝕟𝚘𝐯𝚎𝗹.𝕔𝐨𝗺

A three-win streak that originally cost 3 Survival Points would now cost 6?!

This was straight-up loan sharking!

And the black-robed player wasn’t even done yet—

He continued his explanation:

"Because the death rate in the Apartment Survival Game is extremely high, the repayment period for a Use First, Pay Later deal is usually within 24 hours."

"Our automatic collection time is always at midnight game time."

"If you don’t have enough Survival Points in your Survival Jade Token at the time of collection, you get a 24-hour extension to make the payment."

"However—late payments will incur an additional penalty fee."

"And if by the end of the grace period, your Survival Points are still insufficient to pay off the loan…"

"Then, according to our contract-based tools, you will be directly erased."

"The organization will receive 1 Survival Point as a guaranteed compensation for your death."

"Of course, you should already know—killing a player grants 1 Survival Point, right?"

The black-robed player spoke so casually, as if he were just discussing business as usual.

But at this moment, Jiang Ye finally realized—

The true horror of this Apartment Survival Game!

Every single human life was just a walking Survival Point!

Before, Jiang Ye had thought that 1 Survival Point = 100,000 was too cheap to justify killing.

But if he owed Survival Points…

Then, when his debt was about to get him killed…

Would he start killing others just to survive?

Would others do the same?

Stamina: 0.8

Energy: 1.2

Combat Power: 1.8

Survival Points: 0

Ability: Infinite Replication (X)

Skill: Replica Fusion (D)

【Replica Fusion (D)】

Select up to 3 Replicas for targeted fusion.

Fully merge the attributes, abilities, and skills of up to 2 Replicas into a designated ‘Primary Replica.’

Fusion lasts for 3 minutes.

Hiss…!

What?!

Replica Fusion?!

Wait a second!

According to the skill description…

This fusion wasn’t permanent.

It only lasted for 3 minutes.

Jiang Ye’s mind raced—

If he chose Replica No. 2 as the ‘Primary Replica’ and activated Replica Fusion…

Would he be able to defeat the black-robed player by sheer force in those 3 minutes?!