Chapter 218 - 218 199 Banking

Words : 1504 Updated : Oct 3rd, 2025

218: Chapter 199 Banking 218: Chapter 199 Banking Despite Guan Xinxian’s young age, his experience as a professional was far from simple. He became a professional at a young age and traveled to various countries. In an Exotic Realm of a foreign land, he encountered a serendipitous event and found a sapling of the Exotic Species Sumeru Fuso Tree. The most astonishing thing was that he studied the Gardening Path while he actually managed to grow this sapling…cultivating a rare Magic Plant with no available information from scratch, and eventually harvesting its results. The knowledge and experience he accumulated were undoubtedly terrifying. He didn’t possess any Life system Abnormal Abilities like investment. Instead, he had to consult relevant materials and seek help from professionals while repeatedly making mistakes. The “Little Fang Ark” was a result of his efforts, where various Magic Plants were nurtured together in a landscape, isolated from the possibility of conflict and even complementing each other. The difficulty of this could only be understood by experts in this field. “It’s an internally balanced, plant-based symbiotic, water-based miniature world….” Unlike Lu Ping’an’s “shared” Lv7 fetched by skimming stones, Guan Xinxian’s Lv22 had been accumulated bit by bit. Though a bit biased, he indeed had the professional qualifications to become a professor at Ancient City University…and this, after all, was the basic capability a regular professional should possess. Normal people can’t have everything they want. When conditions are met, they can only awaken Abnormal Abilities. They have to keep accumulating and seek inspiration through repeated experiment and failure. Even after the fortunate awakening of their desired professional Abnormal Ability, they need to repeatedly verify and think about what they lack for the next professional tier… They don’t have a clear “system list.” As a result, the professional skills of most second-tier and third-tier professionals far exceed the “minimum requirements” of their professions. They may be stuck at an ability checkpoint until their hair turns gray or end up on the wrong path due to talent issues. However, they are unlikely to be stuck on professional skills that can be improved with time and resources…Of course, this doesn’t apply to the extremely lazy and stupid ones. Lu Ping’an’s Life Bank, even just being the “trading version,” was like unlocking the shackles of life, and as long as it was given enough time, it would naturally grow tremendously. The progression speed of most late-stage Rule System ability users was akin to cheating, but Lu Ping’an’s ability to trade “Abnormal Abilities” was a true cheat tool. Meow was just amazed, but the knowledgeable Guan Xinxian was actually frightened. However, in the end, he nodded and looked at his “Name Card,” which, in a sense, was also the operation panel for remote services. [Customer Guan Xinxian. Credit Rating: Brass (157 points). Current additional features: remote investment. Current account balance: -11 life points (equivalent debt calculation, interest rate 15%/year)] While touching the Name Card in Life Bank, he instantly understood what “Life-points” meant. [Life-points: The general equivalent (currency unit) used in Life Bank, with the attached rule “Life Bank’s Curse.”] [Life Bank’s Curse (Gold-tier Rule): Every coin represents the weight of your life. When your life-points are positive, each point can extend your natural lifespan by one day. When your life-points are negative, your life ends prematurely.] “Gold-tier Curse (rule)? What merits and abilities do I, Guan Xinxian, have to enjoy such a curse?” Guan Xinxian was a bit baffled when he saw the system prompt. Gold-tier rule restrictions, even while facing higher-level beings (Tenth-order True Gods), have some deterrence. For beings below deities, they are true natural laws. Although he inexplicably lost 11 days of natural lifespan, Guan Xinxian was overjoyed… How many normal professionals could live long enough to die of old age? Considering the huge improvement that came with it, this small loss could barely be even considered a fraction of the whole. “Are there ways to get Life-points?” After the initial confusion, Guan Xinxian quickly understood the operating mechanism of all this, as he had seen similar things more than once… That’s right, it was the credit-coin shops in the Secret Realm and the credit-coin systems created by various churches based on their prototypes. “There are. When I created a new species before and sold the module to the Lady of the Forest Virtual Godhood, they were willing to give two points. If you sell your Abnormal Abilities, you can also get points… But it’s not possible now; the bank does not support negative-figure transactions.” Lu Ping’an pondered that with just his “tax-collecting” ability, as long as there were a large number and high-value professional Abnormal Ability transactions in the bank, he would have his first stable Life-point income channel. “There should be other income channels, probably waiting to be developed… When I was at the first-tier, there was no transaction bar here, and there was no reception hall on the second floor. When I get stronger, there should be new features and channels.” Now, the facts proved that his past thinking was not wrong. Only when his strength improved, and the Life Bank’s functions were complete, would he have a more stable source of income channels. The most obvious example is that the current trading section can only trade Black Iron Ability; this is clearly due to his insufficient strength. “I’ve only been an Abnormal Ability User for 30 or 40 days, and I’m still exploring it. Personally, I think there are other income channels. Otherwise, all this wouldn’t make sense.” Lu Ping’an pointed to those first floor “decorations” – from the piano to the small kitchen to the dining table. As soon as he touched them, the prompt[Using the equipment in this hall requires consuming Life-points, 1 point/month]appeared, creating a veritable consumer hell. And the “rooms” upstairs had normal living functions, along with Rule System abilities to recover physical strength, spiritual power, and healing injuries. If others wanted to use them, they also had to pay, at a rate of 1 point/day. Lu Ping’an didn’t even need Meow to try it to know that the gym and garden outside should also be entering the fee-charging era. It seemed that the stronger the rules, the better the effect, the higher the consumption… very bank-like, very capitalist. By the way, the fees Lu Ping’an received were still only a very small percentage. Most of it was invested in the daily operation of the courtyard, but some, after deducting costs, went into the bank’s operating treasury. “Can this money only be used to upgrade rule buildings and maintain the courtyard? Hmm, that’s good enough.” Lu Ping’an was actually quite satisfied with this. The building manufacturing cost of hundreds or thousands was too frightening, and it was unrealistic for him to pay for it. Now, it seemed that there was finally a possibility of purchasing it. But this still couldn’t solve the problem of immediate needs. The current “users” were all poorer than each other, unable to squeeze any more money out of them. For the growth of leeks… ahem, for the regular user experience, Lu Ping’an asked if he could sell his ability to the bank so that it could obtain start-up funds. Unfortunately, the answer was still negative. [Life Bank is an intermediary and financial platform; please do not overly interfere with market order.] “Banks and other financial institutions should be tools for mediating the market, not participants. I understand, but the problem is that the market is empty right now…there’s nothing to intervene in. Everyone is broke and not spending, which makes things very awkward.” Unlocking a bunch of abilities seems to be all about spending money, not making it. The few “taxing” abilities, due to the lack of money among existing users, could only be temporarily idle. However, to be honest, Lu Ping’an was already quite satisfied, not to mention that the two visitors, who clearly understood their abilities, were quite pleased. It would have been amazing if an “analyst” could provide some guidance, but this direct digitization and charting of Rule System intelligence sharing was priceless. What satisfied Lu Ping’an was the future and that his idea of improving and filling the courtyard had been proven correct. The Rule-level, supreme ability Life Bank, after the user made progress, showed its real ability. It’s just that the three of them standing in the empty hall made for a rather strange scene. “Why don’t we give it a try?” “How do we try? I put one up for sale and see?” After operating for a while, there was still no result. “Who’s buying? Hilarious, you two have negative points. I can only buy, not sell.” “Then I’ll put up an ability, and you, Lu Ping’an, just buy it! I have many garbage abilities, and some have awakened at a super disgusting price…” “Get lost! Don’t even think of tricking me into spending!”

Chapter 218 - 218 199 Banking

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