In the dimly lit bar, apart from the group from the Insect Gang that had just entered, there were scattered over a dozen modestly dressed civilians.

They huddled in the corners, using the bar's dim lighting to quietly observe Qian Sanjin and his group, unease flickering in their eyes.

These civilians were those who had borrowed money from the Insect Gang and hadn't repaid it yet.

They didn't know why the Insect Gang had gone back on their word and called them over early.

Everyone knew that this bunch of thugs certainly didn't have any good intentions.

But that's just the unreasonable style of the gang; when a civilian is summoned, you must come, or else... they have a thousand ways to force you into submission.

"Alright, everyone, stop overthinking it."

Qian Sanjin dropped the cigarette from his hand, calmly glanced around at everyone, smirking without humor, "You all owe the Insect Gang money. Paying back debts is a natural law, so there's no need to pretend you're hard done by, as if we owe you something."

"The reason we've asked you all here today is very simple... the Insect Gang recently hit a cash flow problem, and we're short on funds, so we had to call you over in advance, hoping you can repay your debts."

"The Insect Gang has always been reasonable. As long as you pay, I guarantee no trouble for you... once our cash flow is restored, the Insect Gang might even offer you lower interest loans first."

"So please, everyone."

After speaking, Qian Sanjin clapped his hands, and Zhou Kui immediately understood, taking a card swiper and a cash counter from the corner of the bar and placing them in front of the people.

At the same time, several other gang members also pulled out electronic ledgers, checking the figures one by one.

Seeing this, the people looked at each other, not knowing what to do for a moment.

To be fair, the Insect Gang's sudden decision was somewhat unreasonable.

In matters of borrowing, it's always the borrower who repays early... there's no principle where the creditor demands repayment early.

People had signed the IOUs in black and white, and the repayment dates were all agreed upon by the Insect Gang, yet now they were going back on their word, which made no sense.

But on second thought, between these civilians and the underground gang, there was never an equal contractual relationship.

The Insect Gang could totally ruin a bit of their credibility, bust into their homes, completely loot them, take away all valuables... to settle the debt.

These gangizens surely could do that.

But now, the Insect Gang didn't do such a thing, just asked these civilians to repay early, without any other conditions...

Looking at it this way, Qian Sanjin's proposal wasn't that hard to accept.

"Might as well honestly repay, thinking of it as spending money to avoid a disaster..."

More than one person had this thought.

So, after a brief silence, the first person who decided to repay stepped forward.

It was a middle-aged man wearing an apron, plump, with greaseproof sleeves, and he looked like a chef.

"I... I'll go first, I still need to get back to cook for the customers later."

He fished out an oily bank card from his pocket and walked over to the table with the card swiper.

"Great!"

Qian Sanjin grinned and clapped immediately, "The person who dares to be the first to eat crabs is always worthy of respect."

"How about this, as a reward, I'll waive 20% off your repayment amount right now, how about that?"

Upon hearing this, the fat chef's eyes lit up.

"Di... directly waive 20% of the total amount?"

"Yes."

Qian Sanjin replied with a smile, "No matter how much you owe, just subtract two-tenths."

"Is that so? That's... that's great!"

The fat chef excitedly wiped the grease off the card, eager to try, "I borrowed 5000 Silver Cannon from you, with an annual interest rate of 30%, for half a year... counting it up, it's 5750 Silver Cannon."

"Taking off two-tenths from that amount, that's 4600 Silver Cannon, which means, not only do I not pay any interest, but I even pay 400 less!"

"Leader, I... I... don't even know how to thank you!"

The fat chef's face was filled with unexplainable gratitude.

He was truly thanking him because just a word from Qian Sanjin and he'd earned over a thousand Silver Cannon, that's his month's salary!

In Nest City, people couldn't find a more "merciful" creditor than Qian Sanjin.

What lending is this, it's clearly charity!

The fat chef cheerily was about to swipe his card...

But at that moment, a strong hand suddenly grabbed the fat chef's arm, like a clamp, pinning him in place.

The one who did it was Zhou Kui, who had been standing beside him...

"Who told you the annual interest rate here is 30%?"

"Such a low rate, you think we're doing charity?"

Hearing this, the fat chef was stunned.

And behind him, those who were eager to repay also unconsciously stopped, staring blankly at Zhou Kui.

"Isn't it this rate?"

After a long pause, the fat chef snapped back to reality, instinctively pointing at the ledger in Zhou Kui's hand, blurting out, "But it clearly says 30% annual rate here!"

"Does it?"

Zhou Kui chuckled, took a magnifying glass out of his pocket, aimed it at the bottom left corner of the ledger.

"Open your eyes wide, take a good look."

The fat chef paused, instinctively looked over, and saw a line of tiny text at the edge of the ledger, invisible to the naked eye...

[The above rates have expired, the current new lending rate is: annual rate 1000%...]

"This is your rate, fool."

Zhou Kui spat scornfully, mocking, "You borrowed 5000, interest for half a year is 25000, totaling 30000 Silver Cannon, even subtracting the two-tenths our boss waived, you still owe 24000 Silver Cannon."

"Pay up now... card or cash, your choice."

The fat chef was completely stupefied.

He blankly raised his head, muttering, "I... I don't have that kind of money? I can't afford it!"

"No worries if you can't afford it, there are other ways to pay."

Zhou Kui suddenly laughed.

Then, as if premeditated, he raised his arm, and from underneath emerged a pair of mantis-like blades, that he swung heavily at the fat chef's right hand...

"Slash~!"

With a flick of the hand, the fat chef's chubby hand severed on the spot, fell with a thud onto the ground.

Blood spewed out before anyone could react, staining the carpet beneath their feet, along with a faintly glowing red star pattern...

At the moment Zhou Kui acted, a hooded young girl happened to push the door open and witnessed everything.

The newcomer, naturally, was Yun You...

Except, Yun You's expression now was the same as those onlookers.

Dumbfounded...

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