i just thought of a cool ability for sub... what about an ability where he makes himself harder than his ussual dirt cheep ability by a certain multiplication, in exchange for everything on his person crumbling away and being destroyed. the more valuable the stuff the higher the percentile.
meh. your main character is almost exactly like leylin, just a lot dumber. i prefer fang yuan types though, but i suppose your small brain wouldn't be capable of creating such an apex character