The end of the world is approaching, I'm handing myself over to the country.

Sun Ye looked at Lin Xiu, his playful expression returning, making Lin Xiu feel very uncomfortable.

Sun Ye threw the cigarette butt on the ground, crushed it out with his toe, and then slowly opened his mouth.

"I'm out here doing this for the money, so don't blame me. If it were someone else, they would treat you even worse."

He spoke these words as if it were perfectly natural, as if the person who had just stepped on someone's hand bones was simply fulfilling some self-evident duty.

Lin Xiu did not refute.

Because what Sun Ye said was true.

In today's world, people who have no value are wrong even when they breathe.

"But this is all I have." Lin Xiu's voice was low, with a hint of hoarseness that he himself was unaware of.

Sun Ye seemed not to hear the despair in his words, and instead pretended to be friendly, reaching out and putting his arm around Lin Xiu's shoulder.

The arm was heavy, carrying a pungent smell of tobacco and sweat, which made Lin Xiu's body stiffen abruptly.

He instinctively tried to dodge, but the force on his shoulder was irresistible.

"Not enough Source Crystals? No problem." Sun Ye's face came closer, his warm breath brushing against Lin Xiu's ear: "You can use a credit loan."

Lin Xiu's body tensed up even more.

"Credit loan?"

This word set off alarm bells in his mind.

"That's right." Sun Ye nodded with a smile, patting him on the shoulder with his hand, showing great enthusiasm.

"The credit loan offered by the Tianhu Guild only requires a small amount of interest per day, allowing you to advance a large amount of Source Crystals, just like Flower Shell. Moreover, it's from a large guild, so it's worth protecting."

As he spoke, Sun Ye made a gesture in the air, and a light blue virtual panel appeared out of thin air, hovering between the two of them.

He skillfully tapped a few times on the panel, bringing up information about the Heavenly Fox Guild, along with some loan records and reviews, and displayed them to Lin Xiu.

"Look, they're all positive reviews, and this thing is really convenient."

"Guaranteed by a major guild, loans are disbursed quickly after borrowing, large amounts are worry-free, and for first-time users, the interest rate for the first 3000 Source Crystals is only 6% of the original rate. Isn't that a great deal?"

Lin Xiu's gaze fell on the panel.

The page lists the background information of the Tianhu Guild, as well as the detailed terms and conditions of the credit loan.

The interest rate is indeed low; at least on the surface, it could even be described as very reasonable.

Below are several anonymous user reviews, all praising things like "fast loan disbursement," "solved my immediate problem," and "big guilds are reliable."

Everything looked so beautiful and so proper.

But Lin Xiu felt a chill run through his body.

He had never used credit loans before, but he had seen too many news reports about them in the real world.

Countless people have been driven to despair by snowballing interest and relentless debt collection because of a small loan, ultimately leading to the destruction of their families, death, or even their lives.

Those bloody cases were flashing through his mind.

He couldn't reconcile the warm smile of Sun Ye with the impressive terms and conditions on the panel.

He felt as if he were being ensnared in a honeyed net.

Sun Ye had been observing his reaction and noticed Lin Xiu's concerns.

His smile remained unchanged as he continued, "Don't worry, the credit loan is from a certified and legitimate platform, and it's backed by the Tianhu Guild. What are you afraid of?"

Seeing that Lin Xiu remained silent, Sun Ye increased his stakes.

"Besides, the punishment for sin points is no joke."

"Once the system determines that you are engaging in malicious PK or fraud, the high percentage of weakness will wipe out the Tianhu Guild without anyone else even lifting a finger."

Sun Ye paused, as if remembering something, and added, "Have you forgotten about the Revelation Guild?"

Lin Xiu: "A divine decree?"

Sun Ye nodded: "Yeah, the Revelation Guild, how could you not know how awesome they were before?"

"That was one of the top guilds in Wasteland Era, but because of the malice value system, what happened? Now everyone is suffering from high sin value penalties, and some of their attributes have been reduced to the point that they are worse than newbies."

"The current Revelation Guild isn't even a third-rate guild; it's nothing."

Revelation Guild.

Lin Xiu repeated the sentence in a low voice.

Of course he knew about the Revelation Guild.

There is nothing they don't know.

It is precisely because of the lessons learned from the Tianyu Guild that the atmosphere in Wasteland Era has improved significantly.

Even the largest guilds have not dared to easily cross the line of sin value since then.

Lin Xiu did not believe Sun Ye.

He wouldn't believe a single word of the person who could be laughing and stepping on his own hand just a second ago.

But he trusted the authorities, and he trusted this cold and absolutely fair value of guilt.

No one can defy the rules of the sin value system.

Sun Ye dared not gamble, and the Heavenly Fox Guild dared even less.

If it were just a normal loan relationship, with his ability to hunt monsters, repaying this amount of interest wouldn't be difficult.

The risks... seem to be within manageable limits.

The rewards, however, are immediate.

The moment this thought popped into his head, it was like a wildly growing poisonous weed, instantly entwining his heart and making it hard for him to breathe.

All reason and vigilance seemed so pale and powerless at this moment.

He slowly raised his head, meeting Sun Ye's expectant gaze.

After thinking it over again and again, Lin Xiu nodded.

"it is good."

He heard his own voice speaking.

"I'll borrow it!"

Sun Ye's smile widened instantly, a triumphant look of prey finally stepping into a trap.

He didn't say a word more, but simply tapped the pale blue virtual panel a few times with his free hand.

[Tianhu Guild Credit Loan Application Interface.]

Applicant: Lin Xiu

[Application Limit: 3000 Yuan Crystals]

Credit assessment in progress... Assessment complete.

[Generating loan agreement... Agreement generated, please confirm.]

A series of system prompts popped up on the panel, so fast that there was almost no time to think.

Lin Xiu didn't look at the densely packed clauses.

He knew very well that in a place like this, a so-called contract was nothing more than a piece of waste paper.

The only thing that truly matters is that cold, hard sin value system.

He scrolled straight to the bottom and pressed the virtual "Confirm Loan" button hard.

The contract has been confirmed, and the loan agreement is established.

[Loan in progress...]

Almost the instant his finger left the panel, a new notification sounded in his mind.

[Ding! Your account has received a transfer of 3000 Source Crystals.]

Lin Xiu immediately opened his personal panel, where the account balance column clearly displayed a complete "3000".

Not a single penny was missing.

There is no such thing as "predatory lending".

Everything seemed so formal and so clean.