Why did you suddenly start calling you brothers?

Maybe it's because Leon's tone is too sincere and his posture is too serious,

The ghost involuntarily asked, "Did you also borrow a campus loan?" ”

"It's not just borrowed."

Li Ang's face was solemn, and he began to talk nonsense seriously, "Since I was a freshman in high school, I have been picking up all kinds of small loans from various lending platforms.

At most, I registered accounts on more than 100 apps, exploded thirty or forty credit cards, and received countless enthusiastic phone calls all day long.

In every city I wandered to, there were brothers on the road who came to me for trouble. ”

A high school student living on Hijima opened his mouth, "You're like this too..."

"Little brother, since we are all fallen people at the end of the world, you might as well tell me your story."

Li Ang used his skills of seeing people and talking about people, and he grabbed the other party's cold shoulders with ease.

Out of nowhere, I found a cigarette and handed it over.

The other party subconsciously took the cigarette, but did not smoke it, but hesitated to start introducing his story.

Hijima has had a so-called "gold borrowing culture" since ancient times, and is known as the saying "Edo っ子は宵越しの銭は持たぬ".

It means that the people of Edo do do not keep overnight money, that is, they have wine today and drunk today, and whenever they have no money to spend, they will borrow money.

This kind of borrowing is a short-term loan, and the interest rate is extremely high, 10% in 10 days, 20% in 10 days, and even 50% in 10 days and 10% in 10%.

In the seventies of the last century, the concept of advanced consumption in the United States was introduced into Nishima, so that the borrowing culture that used to belong to the middle class entered the lower class.

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

Fueled by 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 specialize in providing usury services.

Hijima also has a law that "if the interest rate exceeds a certain value, it will be invalid", and some loan shark companies will clearly tell their customers that it is 50% of the interest in 10 days before borrowing.

If you can't pay it back, you can even call the police and don't have to pay it back – but most borrowers don't want to, because they can't survive without the 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 love of vanity, but after he couldn't pay it back, he was tricked into another lending company to borrow money to repay the loan.

Unexpectedly, he couldn't pay back the money again, and Ishida Inamori, who has the characteristics of Hijima people's "awkward and childishness", did not confess to his parents, but approached the casino with a ruthless heart, hoping to achieve a turnaround through good luck.

Naturally, even the pants were gone, and he still owed nearly a million yen.

The interest continues to roll over and grow, and the anxious and desperate Ishida Inamori finally ushered in the day when the truth will be known to his family.

Ishida's parents were just ordinary working-class people, and they couldn't afford to make so much money for a while, and the debt collection agency constantly sent fierce men to the Inamori family and even near the school to make all kinds of threats.

"If you don't have money, you should sell blood, kidneys, and eyeballs as soon as possible, and if you are reluctant, you will sell your house, in short, you must pay back the money on time!"

All kinds of pressures led Ishida Inamori to a dead end, and one afternoon, he was in the dormitory, hanging 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.

Leon patted Ishida Inamori's shoulder sympathetically, took out a cigarette out of nowhere, and talked about the past,

"You're a lot luckier than me."

"Lucky?"

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

"Teenagers, there are people outside the world, there are heavens outside the sky, compared with those real routine loans, these loan shark companies in Ridao are just children's houses."

Li Ang smiled: "Loan sharks who play tricks will hire many legal experts to find ways to circumvent the law.

For example, someone comes to the door to borrow 5000, with a monthly interest of 2000,

The loan shark will write an IOU saying that he borrowed 7000 and did not exchange interest for 3000 a month.

If you don't pay it back, you will write an IOU again, saying that you borrowed 1000 and the interest is 5000,

In this way, the borrower has no chance to turn over, and the loan shark company will bewitch him and go to other companies to continue to borrow and plug the gap.

The amount on each contract doesn't seem high, but there are all kinds of messy consulting fees, service fees, and management fees, which are simply explosive when added up.

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

Even better, loan sharks can eat the lender's house openly through fair entrustment and judicial auction, and they can also use litigation to make illegal debts legal.

Moreover, because of the lack of clarity on the relevant accountability model, even if the person responsible for the loan shark is caught, it will be difficult to hold him accountable according to the strict and strong law for a while.

In other words, in the eyes of literate and law-literate loan sharks and villains, the cost of crime is terrifyingly low, and the potential profits are enough to keep people coming and going.

If I told you that there is an online consumer loan provider that relies on eating human blood and steamed buns to make a fortune, making money and killing people,

Not only did he not receive any penalty,

It was also successfully listed in the United States, and its total market value was speculated to nearly 10 billion US dollars, you must not believe it

I borrowed a small amount of 2,000 yuan at the beginning, and finally was forced to run away by various routines, and I talked and laughed with the old buddies of the post bar.

What 'love to fight will win, dare to play will be popular', 'if you want to be rich, bet hard', 'whose child cries every day, which brother loses every day'.

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

In the end, out of desperation, together with the three and the gods, he was paralyzed in bed. ”

Li Ang spoke all kinds of black 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, or even worse than you."

Campus loans are untouchable, and once they are touched, they will be doomed. ”

Ishida Inamori swallowed, completely forgetting that he was going to harm Li Ang just now, "Then we... Is there really no way? ”

"What's the way... It's not for nothing. ”

Li Ang thought for a while and patted Ishida Inamori's shoulder, "Inamori-kun..."

"Brother Li, just call me Ishida."

Ishida Inamori said sincerely.

"Okay Ishida," Leon nodded and said hesitantly, "You... It's a ghost. ”

"Hmm." Ishida Inamori nodded, feeling a little depressed, "Alas, if you think about it carefully, I'm really ashamed of my parents." ”

"Yes, Ishida, it is really an irresponsible thing for you to leave your parents behind and seek relief for yourself."

Li Ang reprimanded first, and then immediately said: "However, since the matter has happened, there is no way to undo it. Ishida, you can take the money from this briefcase and give it to your parents.

The dollar bills inside are all non-consecutive numbers, and they are absolutely safe, so you can use them with confidence. ”

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

"I am also a fallen person at the end of the world, and seeing you reminds me of my former self."

Li Ang said with emotion: "Ishida, have you ever thought about taking revenge on those who killed you. ”

"Who? Loan sharks? ”

Ishida Inamori, who was holding the briefcase, was a little melancholy, "After I found out that I had become a ghost, I also wanted to go over and take revenge on them, but those who were in the loan shark business were all fierce and vicious gang members,

And as soon as I leave this school, my mana will be immediately weakened, and I can't attack and kill a strong man full of evil spirits. ”

Li Angwan smiled, "If you can't do it, it's always okay to do some pranks." ”

Ishida Inamori was stunned, "Prank? ”

"That's right."

Leon nodded, "For example, when no one is around, pour red paint on the door of the loan shark's house, and use dung to draw on the floor in front of their house, writing debts and repaying the money.

In the middle of the night, when the third watch was watching, he knocked desperately on the window on the second floor of their house,

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

Li Ang babbled a lot of Yin damage moves to Ishida Inamori, and this ordinary young man was stunned for a moment.

"And since you're a ghost, they can't catch you at all, even if there is a top level of a loan shark company, who can spend a lot of money to hire an onmyoji or something to protect himself, but he can't protect the big hands under him."

"With the resentment and hatred of the gang members, as a ghost, you can not only increase your mana, but also protect those unlucky people who suffer 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 think...."

"Those who harm others will always harm them!"

Li Ang said solemnly: "No matter how they use the 'spirit of contract' to whitewash themselves, they can't change the fact that they are eating human blood steamed buns after all.

Ishida, don't you want to be a messenger of justice and uphold justice in the dark night?! ”

Ishida Inamori was encouraged by Li Ang's righteousness and nodded heavily, "Hmm! Brother Li, I listen to you! ”

"Good,"

Leon nodded with satisfaction and lightly punched Ishida Inamori on the shoulder, "DC has Batman, Marvel has Iron Man, and you, as a Hijima superhero, 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, and in the future, you can pretend to be a ghost from Goryeo, South Korea, and call it 'Goryeo Belt Hero'." ”