Debt-Powered Emperor

Jayce Kane travels to a parallel world. Framed by adopted brother Howe Kane and his ex-girlfriend, he loses assets and accumulates massive debt. He awakens the Human-Ghost Dual Cultivation System, gaining the ability to grow stronger through debt. He uses debt to uncover his father's disappearance, crush villains' conspiracies, and protect peace. Lord Rose becomes his loyal companion. Together, they ascend to the pinnacle.