Tokyo, 1991: Starting as a bank clerk.

At this moment, looking at this stubborn, defiant girl who is almost crushed by reality, you have three choices.

The options are as follows:

[Fork in the road: Turn and walk away. Her debts and future are none of your business; you have no obligation to bear the consequences for a stranger.]

(Reward: Bank deposit increases by €1 million, nothing happens.)

[Second branch: Don't lend her money, and don't immediately help her deal with her debts. Tell her to tell her grandmother the whole story first. If she can't even face the person who should know best, then don't talk about repaying the debt.]

(Rewards: Bank deposit increased by €5; Item "Kitahama Old Shop Wagashi Exchange Coupon")

[Branch 3: Lend her €100,000 directly to help her get through this month.]

(Reward: Matsushita Yuki's affection level increases significantly, with a certain probability of unlocking a romance route)

Kiryu Yaya's eyes twitched slightly as he looked at the third option.

really.

Whenever this system encounters a young woman, it always tries to steer things in a strange direction.

Borrow 100,000 directly?

Are you kidding me?

Given his current financial situation, if he lends out this 100,000 yuan, his hard-earned savings will immediately disappear again.

Moreover, lending out this 100,000 will only allow Matsushita Yuki to continue keeping it a secret.

What about next month?

What about the month after next?

In this situation, lending her money would only harm her.

Kiryu Yaya pondered for a moment, then looked at Matsushita Yuki and said in a calm tone:

Listen carefully, I will not lend you money.

Chapter 36 Kitahama Old Shop Wagashi Exchange Coupon

Yuki Matsushita's eyes immediately turned cold.

It turns out all her words were for nothing. She had hoped to move the bank employee with her own experience, but it was all in vain.

"...I knew it."

Kiryu Yaya said calmly:

"What you need to do now is not to keep borrowing money."

Yuki Matsushita frowned.

"So what do you want to say?"

Kiryu Yaya looked at her and said, word by word:

"Go back and tell your grandmother about the money you owe."

The air fell silent for a moment.

The next second, Yuki Matsushita looked up abruptly as if her tail had been stepped on.

"What did you say?!"

“I said, go back and tell your grandmother.”

Kiryu Yaya repeated it.

“Tell me exactly how much money you owe, how you incurred the debt, and how much you are short each month.”

"Are you crazy?!"

Her voice suddenly rose in pitch.

"How could I possibly tell?! What if she knew...?"

She'll find out sooner or later.

Kiryu Yaya interrupted her directly.

"Collection calls, reminder letters, notices of suspension of tutoring classes."

"Which do you think is more dignified, saying it to yourself or saying it out loud?"

Yuki Matsushita's face turned pale instantly.

I don't have any.

"You already said that once."

Kiryu Yaya looked at her.

"You can say you're on a date with another man today."

"You don't even know what you'll say next time you're desperate and have nowhere to turn."

"Shut up!"

Yuki Matsushita practically shouted it out through gritted teeth.

Her eyes were very red.

"Do you think I wanted this?!"

"Of course I know you don't want to, but the problem is, not wanting to is useless. What you should do now is not to keep trying to cover things up. You should find someone who is qualified to know and must know, and lift the lid on the debt."

"……no."

Why not?

"It just won't work!"

"Because of shame?"

"..."

"Or is it because you yourself know that this is something you can't handle alone?"

Yuki Matsushita opened her mouth, but couldn't utter a single word.

It felt like something was blocking her throat.

The night breeze blew through the alley, causing the wisp of light chestnut hair on her forehead to tremble slightly.

Kiryu Yaya looked at her and continued:

“Your grandmother took you in and gave you a place to stay, thinking you could focus on your studies here. But now you’re living in her house while carrying a debt of three million euros. If this continues, the day the debt collectors come to your door, she’ll be in even more pain than she is now. At the very least, the truth should come out of your mouth.”

Yuki Matsushita lowered her head.

She bit her lip hard.

After a long time, he finally managed to squeeze out a sentence:

"She will be disappointed."

Of course.

Kiryu Yaya answered quickly, even somewhat cruelly.

"But disappointment is better than being completely kept in the dark."

These words were like a needle, precisely piercing the spot that Yuki Matsushita least wanted to touch.

She suddenly raised her head.

Tears finally welled up in my eyes.

"I just don't want her to think I'm useless!"

"I failed to get into university!"

"My mom dumped me in Osaka and handed me over to my grandma like trash!"

"If I can't even handle this money properly, she'll definitely think I'm just like my mom, someone who only causes trouble for others."

As she spoke, her voice became increasingly incoherent.

Tears streamed down my face.

But she still subconsciously raised her hand to wipe it, as if even crying was shameful.

Kiryu Yaya looked at her quietly.

After a moment, he spoke.

"Matsushita-kun."

"……what."

"You're already causing trouble for others."

"..."

"He's just a troublemaker who doesn't even realize it."