Gamers Are Fierce Chapter 113: Heroes

Why did you suddenly start calling yourself brothers?

Maybe it's because Li Ang's tone is too sincere and his attitude is too serious,

The ghost asked involuntarily, "Did you take out a campus loan too?"

"It's more than a loan."

Li Ang looked solemn, and began to talk nonsense seriously, "Since I was a freshman in high school, I have taken various small loans from various lending platforms,

At most, I registered an account on more than 100 apps, exploded 30 or 40 credit cards, and received countless enthusiastic calls all day long,

In every city I've wandered to, there are brothers on the road who are coming to trouble me. "

A high school student living in Hishima opened his mouth, "You are the same..."

"Little brother, since we are all fallen from the end of the world, why don't you tell me your story."

Li Ang used his skills of talking to people and talking to ghosts, and hugged the cold shoulders of the other party,

I don't know where I found a cigarette and handed it over.

The other party took the cigarette subconsciously, but did not smoke, but hesitantly began to introduce his story.

Hijima has had a so-called "borrowing gold culture" since ancient times, known as the saying "Edo っ子は雲 Yue しの銭は遯たぬ",

It means that Edo people do not leave overnight money, which means that they are drunk at the moment, and whenever they have no money to spend, they will borrow money.

This kind of loan is short-term loan, and the interest rate is extremely high, 10% in ten days, 20% in ten days, or even 50% in ten days and 10% in one day.

In the 1970s, the American advance consumption concept was introduced to Nishima, allowing the gold borrowing culture, which used to belong to the middle class, to enter the lower class.

At that time, the rapid take-off of the Japanese island economy also promoted the prevalence of this luxury pre-consumption trend.

With the help of the Financial Services Agency, the Japan Judicial Support Center, the National Life Center, law firms, banks and other institutions, various lending companies have sprung up, many of which are specialized in providing usury loans.

Nijima also has a law that "the interest rate exceeds a certain value, it is invalid", some usury companies will clearly tell customers before borrowing that it is 50% interest in ten days.

You can even call the police if you don't pay - but most borrowers don't want to, because they can't live without their constant loans.

The ordinary high school student named Ishida Inamori in front of Li Ang was one of the victims.

At first, he borrowed money to buy a brand-new smartphone because of his vanity. Unexpectedly, after he could not pay, he was lured to another loan company to borrow money to repay.

I didn't expect that he would not pay again. Ishida Inamori, who has the characteristics of "uncomfortable and petite" from Nishima, did not confess to his parents, but approached the casino with a ruthless heart, hoping to achieve a turnaround through good luck.

Naturally, the loser lost his pants and owed nearly one million yen.

The interest keeps rolling over and increasing, and the anxious and desperate Ishida Inamori finally ushered in the day when the truth is known to his family.

Ishida Inamori's parents are just ordinary working class, and they can't make so much money for a while, and the debt collection company continues to send ferocious and burly men around the Inamori family and even the school to carry out various threats.

"If you don't have money, you should sell blood, kidneys, and eyeballs quickly. If you can't bear to sell your house, you must pay back the money on time!"

All kinds of pressure made Ishida Inamori go to a dead end. One afternoon, in the dormitory, he hung a wire on the railing of the dormitory bed...

The banknotes laid on the floor of this corridor are teenagers who, like Ishida Inamori, were cornered by loan sharks.

Li Ang patted Ishida Inamori on the shoulder sympathetically, took out a cigarette from nowhere, and talked about the past,

"Compared to me, you are much luckier."

"Lucky?"

Ishida Inamori clenched his teeth, his eyes revealing hatred as sharp as a blade, "I was killed by those people! There is no more hateful and cunning person in the world than them!"

"Young people, there are people outside people, there are days outside the sky. Compared with those real routine loans, these usury companies in Ridao are just children playing a house."

Li Ang said with a smile: "Usury loan companies that play routine loans will hire many legal experts and try their best to avoid the law.

For example, someone came to the door to borrow 5,000, and the monthly interest was 2,000.

A loan shark will write an IOU saying that they have borrowed 7,000, and the interest will not be exchanged for 3,000 a month.

If I don't pay it back, I will write another IOU, saying that I borrowed 1,000, and the interest is 5,000.

In this way, the profit will be rolled over, and the interest will be rolled over. The borrower has no chance of turning over, and the loan shark company will tempt him to go to other companies to continue borrowing and plug the gap.

The amount on each contract does not seem to be high, but there are all kinds of messy consulting fees, service fees, and management fees, which add up to an explosion,

After a few rounds of kicking the ball, the small amount has rolled into a big snowball, and there is no way to do anything.

What's even better is that loan sharks can openly eat up lenders' houses through fair commissions and judicial auctions, and they can also legalize illegal debts through litigation.

And because the relevant accountability model is not clear, even if the person responsible for the usury is caught, it will be difficult for a while to hold him accountable according to strict and powerful laws and regulations.

In other words, in the eyes of literate, law-savvy loan sharks, the cost of crime is terribly low, and the potential profit is enough to keep you going.

If I told you that there was an online consumer loan provider that made a fortune by eating people's blood, it was listed in the United States, and its total market value was fired to nearly 10 billion US dollars, you would not believe it

In the beginning, I borrowed a small 2,000 yuan, and finally I was forced to run away by various routines, chatting and laughing with the old buddies in the post bar.

What's "You will win if you love to fight, and you will be popular if you dare to bet", "If you want to be rich, you must bet heavily", "Whose children cry every day, and which brother loses every day".

Three or five bottles, military boxing, card number with eyes closed and pressing a zero, most of them are fate,

In the end, out of resignation, he was paralyzed on the bed together with the Sanhe Great Gods. "

Li Ang spoke all kinds of slang words, patted the dumbfounded Ishida Inamori on the shoulder, and said with emotion: "You are not alone, there are thousands of people in this world who are as miserable as you, even worse than you. You are still miserable.

The campus loan is untouchable, once it gets caught, it will be irreversible. "

Ishida Inamori swallowed, completely forgetting that he wanted to harm Li Ang just now, "Then we...really can't do anything?"

"Is there a way... it's not impossible."

Li Ang thought for a while, then patted Ishida Inamori on the shoulder, "Inamori-kun..."

"Brother Li, just call me Ishida."

Ishida Inamori said sincerely.

"Okay Ishida," Li Ang nodded and said hesitantly, "You... are you a ghost?"

"Yes." Ishida Inamori nodded, feeling a little depressed, "Ah, thinking about it carefully, I really feel ashamed of my parents."

"Yes, Ishida, it is really irresponsible for you to leave your parents behind and seek liberation."

Li Ang first reprimanded, and then immediately said: "However, since the incident has already happened, it is irreversible. Ishida, take the money from this briefcase and give it to your parents.

The U.S. bills inside are not consecutive, and they are absolutely safe and can be used with confidence. "

Ishida Inamori took the briefcase and immediately relieved the coldness of Li Ang's arm. The expression on his face was very moved, "Brother Li..."

"I'm a fallen person at the end of the world. When I see you, it reminds me of who I used to be."

Li Ang said emotionally: "Ishida, have you ever thought about taking revenge on those who killed you?"

"Who? Usury?"

Ishida Inamori holding a briefcase was a little melancholy, "After I found out that I had become a ghost, I also wanted to go and get revenge on them, but the loan sharks are all vicious gang members,

And once I leave this school, my mana will be weakened immediately, and I can't kill a strong man full of evil spirits at all. "

Li Ang smiled, "If you can't kill it, you can do some pranks."

Ishida Inamori was stunned, "Prank?"

"That's right."

Li Ang nodded, "For example, when no one was there, he splashed red paint on the door of the loan shark's house, and painted on the floor in front of their house with big feces~IndoMTL.com~Write debt and pay back,

In the middle of the night, I desperately knocked on the window on the second floor of their house,

Take the toilet brush out and put it in their refrigerator, puncture their car tires..."

Li Ang told Ishida Inamori a lot of sinister moves, and the ordinary young man was taken aback for a moment.

"And because you are a ghost, they can't catch you at all. Even if there is a top-level loan shark company that can spend a lot of money to hire an onmyoji or something to protect themselves, they can't protect the big hands under them."

Li Ang said: "With the resentment and hatred of the gang members, as a ghost, you can not only increase your mana, but also protect those unfortunate people who have the same fate as you, so that they will not go to a dead end. "

"But..."

Ishida Inamori said uncertainly: "Is this really good? I always feel..."

"Those who harm people, people will always harm them!"

Li Ang said righteously: "No matter how they use the 'contract spirit' to decorate themselves, they can't change the fact that they are eating human blood steamed buns,

Ishida, don't you want to act as a messenger of justice, upholding justice in the dark night? ! "

Ishida Inamori was inspired by Li Ang's righteousness and nodded heavily, "Yeah! Brother Li, I will listen to you!"

"Very good,"

Li Ang nodded with satisfaction, and punched Ishida Inamori lightly on the shoulder, "DC has Batman, Marvel has Iron Man, as a superhero of Hishima, you should also have a code name. "

Ishida Inamori asked: "For example?"

Li Ang laughed, "Since it is a code name, the primary purpose is to hide your true identity. In the future, you can pretend that you are a ghost from Goryeo, South Korea, named 'Goryeo Leader'."