Lack of talent? I'll buy a year's worth of cultivation for one dollar

A single dollar might not even buy a bottle of soda, but for Su Yu, it purchases an entire year of flawless cultivation. Faced with a completely empty wallet and a world that demands strength, he makes a bold decision: he turns to every online lending platform available. With his first thousand borrowed, he fuels his body, pushing his Qi and blood past the hundred-point threshold to shatter the natural limits of human physiology. Ten thousand more allows him to instantly max out basic martial arts techniques, mastering the ultimate Five Elements Unity killing internal force in the blink of an eye. His rapid ascent inevitably draws dangerous attention. When a wealthy young master named Zhao hires an assassin to ambush Su Yu in the dead of night and break his legs, the killer expects an easy target. Instead, he walks straight into a monster possessing the overwhelming vitality of a dragon—a humanoid tyrannosaurus rex forged by endless debt-fueled upgrades. Su Yu effortlessly snaps the assassin’s steel staff between two fingers, confiscates the 250,000 yuan the hitman was carrying, and offers a benevolent smile. Thanking Young Master Zhao for the generous pre-exam gift package, Su Yu prepares to pour every last cent back into his account, knowing that three days are more than enough time to change everything.