The Karmic Bankrupt
Finn Ashwick’s plan was simple: get disowned by a prestigious magical academy, return to his family’s failing curiosity shop, and live a quiet life of mediocrity. But when a fractured, malfunctioning System from a bygone era of gods latches onto his soul, it doesn't classify him as a [Warrior], [Mage], or [Rogue]. It reads the state of his existential ennui and his family’s crippling financial situation and assigns him the unprecedented class: [Karmic Debtor].
Finn can’t wield mana or swing a sword with divine fury. Instead, he deals in the metaphysical currency of consequence. Every action has a cost, and Finn can leverage that cost. He can borrow strength from future failures, trade a moment of dignity for a burst of speed, or accrue "Interest" on an enemy's hubris until they collapse under the weight of their own ego. Thrust into a world of dungeons that are actually malfunctioning administrative archives of reality and monsters born from bureaucratic oversight, Finn must navigate a path of power built not on glory, but on clever accounting, ironic justice, and the terrifying realization that the universe's debt collectors are very, very real.