Big Capitalist

"President Merlin, do you want to try opening a pack? I have quite a few card packs here." Yuna took out a few classic expansion packs from her space ring.

"I find you to be quite vicious. You actually want to absorb my luck to open the bag for you!" Merlin quickly shook his head.

Yuna rolled her eyes. Sometimes she really couldn't understand Merlin's train of thought.

"Hey, isn't that Senior Scarlett?"

Yuna pointed to a small shop on the corner in the distance. In front of the shop selling condensed milk, Scarlett was holding the classic expansion pack with shaking hands and red eyes, like a mad person.

Scarlett squatted in the corner and whispered, "Come on, come on, my baby! Give me a legendary card, oh no, an epic card, and I can pay off my debts!"

"???" Merlin and Yuna were about to step forward to say hello, but they stopped immediately when they heard Scarlett say that.

"This pack is a turnaround!"

tear-

"Arcane Wisdom, Hammer of Wrath... disappeared?! Ahhhhhh! My gold coins are indeed gone!" Scarlett wanted to cry, but she had no tears. She squatted in front of the store and looked at the large amount of condensed milk she had bought, as well as several torn packs of cards on the ground. She had spent all the money she had saved up this month to pay off her debts!

Scarlett originally wanted to get epic or legendary cards to make a comeback, but she underestimated the probability of getting good cards in the classic expansion pack.

Yuna looked at Merlin with some fear, "President, this wasn't also your plan, was it?"

"Hey, who do you think I am? Am I that kind of person?" Merlin shook his head, and Scarlett also saw Merlin at this time, and crawled to his side, hugged Merlin's thighs and cried.

"Boss Merlin, can you please charge less interest this month? Wuuuu!" Scarlett broke down and cried, thinking to herself, Merlin, you damn guy, you actually came up with something like a card pack to trick her into spending money.

Scarlett was tempted ever since she saw an elf get an epic card and Lucy bought it for two hundred gold coins. However, she overestimated her luck.

Merlin rubbed Scarlett's head and said, "Hey, I told you to work hard and pay back the money, but you didn't listen. Now look what happened. I can't charge you less interest, but I can help you."

Scarlett said happily, "Really, Boss Merlin!"

"Of course it's true. Have you ever heard of the law that when your luck hits rock bottom, it will reverse?" Merlin smiled evilly.

Scarlett shook her head. "Boss, what is the law of luck hitting rock bottom?"

"A person's luck cannot always be at a low point. After reaching a low point, luck will rebound and luck will come to you. You see, you have opened so many packs of cards, but none of them are good. This is accumulating luck for you. If you continue to open card packs, you will definitely get high-quality cards!"

After Merlin finished speaking, Scarlett showed a look of sudden enlightenment. She glanced at her wallet and magic crystal card, and found that there were no gold coins at all. "But I don't have any gold coins anymore?"

Merlin said with a smile, "I'm your boss, I must give benefits to my employees. It's just a few packs of cards. As the granddaughter of a demigod, you act like you can't afford it. How shameful!"

Scarlett said excitedly, "But wouldn't this be a bit bad..."

"It's okay. I'll pay for the cards. Scarlett, give me your transmission crystal." Merlin stretched out his hand, and Scarlett obediently handed him the transmission crystal.

Merlin took Scarlett's communication crystal and clicked on the wallet, poking at it for a while before handing it to her.

Scarlett looked down and found that there was an extra 1500 gold coins in the wallet software that she used to transfer crystals. She was immediately shocked and then asked in confusion, "Boss, where did this money come from?"

"Scarlett, this is your reserve fund for the Arcane Academy credit loan. When you need money urgently in the future, you can withdraw it whenever you need it. This way you won't be laughed at by rude people for having no money." Merlin patted Scarlett on the shoulder.

"Boss... I don't like reading, but this thing is not some kind of usury, right? I'm afraid."

"Hey, you hurt my heart when you say that. This is not usury. This is the Arcane Academy Credit Loan. The Arcane Academy specially set up this loan for poor students like you. They are afraid that poor students need money urgently. New users who borrow less than 2000 gold coins can enjoy days of interest-free coupons, and the daily interest rate for gold coins is [minimum] two silver coins, which is just the price of a cup of discounted milk tea."

After Merlin finished speaking, Scarlett nodded as if she understood. Two silver coins didn't seem expensive. "It doesn't seem like it's usury. The interest rate is really not high."

Merlin nodded and smiled with satisfaction, "Yes, and it will be in your account in as fast as one minute, and the maximum amount you can borrow is 3000 gold coins!"

"President Merlin, are you telling the truth? How can I borrow the money?" asked the student who was selling condensed milk.

"Click on the video link... Sorry, I got lost. Pick up your communication crystal and click on your wallet to apply directly!"

Scarlett looked at the 1500 gold coins in her wallet and thought that she already owed Merlin enough money, so it wouldn't hurt to owe him a little more. She gritted her teeth and said, "Boss, give me five more packs of cards!"

"Okay, here are your fifty bottles of condensed milk and five packs of cards!"

"President Merlin, you are such a devil." Yuna couldn't bear to see Scarlett excitedly opening the package.

"What devil? I'm obviously an angel! Do you understand what a loan angel is? I'm giving Scarlett a chance to make money by opening packs. If she really opens a legendary card, won't she make it back? She's a girl chasing her dreams, we should support her." Merlin smiled with relief as he looked at Scarlett who was crying after opening the pack.

"Merlin, 1500 gold coins is not a small amount for Scarlett. She may not be able to pay back 1500..." Yuna felt that she was bad enough, but she seemed to be far worse than Merlin.

"What 1500 gold coins? I lent her 2000 gold coins." Merlin said in surprise.

Yuna: “???”

"No, but I saw there were only 1500 gold coins just now..." Yuna was a little confused.

"It's 2000 gold coins, of which 10%, or 200 gold coins, is a deposit, which cannot be moved. There is also 5% handling fee, 5% insurance fee and 5% college deposit." Merlin said naturally.

Yuna was shocked after hearing this. She swore that even if the Royal Chamber of Commerce went bankrupt, she would not borrow a penny from the so-called Arcane Academy. Damn it, this was too much of a rip-off.