Chapter 113 Hero

Why did they suddenly start calling each other brothers?

Perhaps it was because Li Ang's tone was too sincere and his gesture too serious,

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

"It's more than borrowed."

Li Ang looked solemn, and began to talk nonsense in a serious manner, "I have been taking out various small loans from various lending platforms since the first year of high school.

At most, I registered accounts on more than one hundred apps, expended 30 to 40 credit cards, and received countless enthusiastic calls all day long.

In every city I wandered, there were brothers on the road who wanted to trouble me. "

A high school student living in Hishima opened his mouth, "You are like this too..."

"Little brother, since we are all people who have fallen in the end of the world, why not tell me your story."

Li Ang used his skills of talking to people when he saw people and talking nonsense when he saw people, and he embraced the other party's cold shoulders with ease,

He took out a cigarette from nowhere and handed it over.

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

Rishima has had the so-called "borrowing gold culture" since ancient times, and it is known as the saying "Edo っこ は 小越しの銭は抱たぬ",

It means that Edo people do not keep overnight money, which means that they are drunk today when they have wine. Whenever they have no money to spend, they will borrow money.

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

In the 1970s, the concept of advance consumption in the United States was introduced into Ridao, allowing the money borrowing culture that used to belong to the middle class to enter the lower class.

At that time, Japan's economy took off at a high speed, which also promoted the prevalence of this extravagant trend of consumption in advance.

With the help of Financial Services Agency, Japan Judicial Support Center, National Life Center, law firms, banks and other institutions, various lending companies have sprung up like mushrooms, and many of them specialize in usury business.

Ridao also has a law that "the interest rate is invalid if it exceeds a certain value". Some usury companies will clearly tell customers that the interest rate is 50% for ten days before lending.

If you still can't pay, you can even call the police and don't have to pay back-but most borrowers don't want to, because they can't live without continuous 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 just because of his vanity. Unexpectedly, after he couldn't pay the money, he was tricked into another loan company to borrow money to repay the loan.

Unexpectedly, he would not pay again. Ishida Inamori, who has the characteristics of "awkward and petty" of Japanese islanders, did not confess to his parents.

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

The interest kept rolling and growing, and the anxious and desperate Ishida Inamori finally ushered in the day when the truth was known to his family.

Ishida Inamori's parents were just ordinary working-class people, and they couldn't pay so much money for a while, and the debt collection company kept sending fierce and burly men to the Inamori family and even the school to make various threats.

"If you don't have any money, sell your blood, kidneys, and eyeballs as soon as possible. If you can't bear it, sell your house. In short, 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 forced to die by loan sharks.

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

"Compared to me, you are much luckier."

"Lucky?"

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

"Youth, there are people beyond people, and there is a sky beyond the sky. Compared with those real routine loans, these usury companies in Ridao are just children's play."

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

For example, someone comes to your door to borrow 5,000 with a monthly interest of 2,000.

Loan sharks will write IOUs saying that they have borrowed 7,000, and the interest will not be exchanged for 3,000 a month.

If you don’t pay it back, write an IOU again, saying that you borrowed 1,000, and the interest is 5,000.

In this way, with compound interest, compound interest, the borrower has no chance of turning over, and the usury company will confuse him, go to other companies to continue borrowing, and plug the gap.

The amount of each contract does not seem high, but there are all kinds of messy consulting fees, service fees, and management fees, which explode when added together.

After several rounds of kicking the ball, the small amount has snowballed into a big snowball, and there is no other way.

What's even better is that usury companies can openly eat up the borrower's house through fair entrustment and judicial auction, and can also convert illegal debts into legal ones through litigation.

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

In other words, in the eyes of educated and law-aware loan sharks, the cost of crime is terribly low, and the potential profit is enough to make people keep going.

If I tell you that there is an online consumer loan provider that relies on eating human blood to make a fortune, is listed in the United States, and its total market value has been fired to nearly 10 billion U.S. dollars, you will not believe it

It was because I borrowed a small two thousand yuan that I was eventually forced to run away by various routines, chatting and laughing happily with the old buddies on the post bar.

What are the sayings like "If you fight hard, you will win, if you dare to bet, you will be popular", "If you want to get rich, bet heavily", "Which child cries every day, which elder brother loses every day".

Three or five bottles, military boxing, card numbers and closing eyes to press a zero, most of them are fate,

In the end, he had no choice but to be paralyzed on the bed together with the Sanhe masters. "

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

Campus loans are untouchable, and once you touch them, you will be doomed. "

Ishida Inamori swallowed, completely forgetting that he wanted to harm Li Ang just now, "Then we... really have nothing to do?"

"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.

"Alright Ishida," Li Ang nodded, and said hesitantly, "You... are a ghost, right?"

"Yeah." Ishida Inamori nodded, feeling a little depressed, "Oh, think about it carefully, I really feel ashamed of my parents."

"Yes, Ishida, it is really irresponsible for you to abandon your parents and seek relief."

Li Ang reprimanded him first, and then immediately said: "However, since the incident has already happened, it is irreparable. Shi Tian, ​​you can take the money in this briefcase and give it to your parents.

The US dollar bills inside are not 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 arms, the expression on his face was very touched, "Brother Li..."

"I'm also a fallen person in the world. Seeing you reminds me of my former self."

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

"Who? A usury?"

Holding a briefcase, Ishida Inamori was a little melancholy, "After I found out that I had become a ghost, I also wanted to take revenge on them, but the loan sharks are all vicious gangsters.

And once I leave this school, my mana will be weakened immediately, and I will not be able to attack and kill a strong man full of evil spirit. "

Li Ang smiled, "If you can't do it by attacking and killing, you can always do some pranks."

Ishida Inamori was stunned, "Prank?"

"That's right."

Li Ang nodded, "For example, when no one is around, pour red paint on the door of the loan shark's house, use manure to paint on the floor in front of their house, write debts and repay the money,

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

Take the toilet brush out and put it in their fridge at home, poke their car tires...."

Li Ang talked to Ishida Inamori about a lot of dirty moves, which made the ordinary young man startled for a while.

"And because you are a ghost, they can't catch you at all. Even if there is a top management of a loan shark company who can spend a lot of money to hire onmyoji or something to protect him, he can't protect the big hands under him."

Li Ang said in a persuasive way: "By using the resentment and hatred of the gang members, you as a ghost can not only increase your mana, but also protect those unlucky people who have suffered the same fate as you, so that they will not go to ruin."

"But...."

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

"Those who harm others will always be harmed!"

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

Ishida, don't you want to be an envoy of justice and uphold justice in the dark night? ! "

Inspired by Li Ang's righteousness, Ishida Inamori nodded heavily, "Yes! Brother Li, I listen to you!"

"very good,"

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

Ishida Inamori asked, "For example?"

Li Ang laughed, "Since it's a code name, the primary purpose is to hide your true identity. From now on, you can pretend that you are a ghost from Goryeo, South Korea, and call it 'Korea Bandit'."