the deviations

...

...

There was a good reason why Zhang Mei Xing pretended that she did not know which companies would do well in eight years' time and blindly bought stocks. It was to test whether the luck enhancement talisman really worked. The funds came from her savings account. All of it. She did not leave even a cent.

Zhang Mei Xing was aware of her shortcomings. Even if her IQ had been further enhanced, she was not ignorant of her own flaws. She knew that sometimes she was an idiot, but for this kind of common sense, would she dare make a mistake about it? Using merits to claim money directly from the Temple was only something brainless people would do, even the desperate would know the best way to maximize their benefits. 

Instead of exchanging for money directly, Zhang Mei Xing availed the same item she gave Chen Fang, a luck enhancement talisman.