End of the Magic Era - Chapter 2: Creditor

Traveling through the world of cultivating immortals, Su Yu became a collateral child of an ordinary cultivating family, with nothing but handsomeness, mediocre cultivation talent, and mediocre life experience.

Fortunately, Su Yu brought the game proficiency panel he played in his previous life, ignoring all restrictions such as spiritual root comprehension, as long as he practiced from nine to five to accumulate proficiency, he could improve his strength.

If you live ten thousand years, you can become a fairy or a ancestor!

The Tianjiao of the Zongmen and the powerful ancestors are just passing away, only cultivating immortals… oh no, only the proficiency is eternal!

- Description from novelbuddy

The Main Character, Watari Karito, is a veteran player of a Military Shooting VRMMORPG.

The world of Anexia is rotting. The Mist has taken hold over entire continents and continues to spread, not content until the entire world is under its control.Raorka, along with his mother Zoe and father Zack, are thrust into this world after an accident. However they wake up at different parts of the world.Raorka wakes up near the Domed Town of Temuril, where inhabitants speak of the cursed dragon in the woods and the exiled witch who teaches magik...for a price.Zack wakes up near the town of Odania where the red cloaked Chianti Hunters battle against the tyrant mayor and the last Great Kingdom.Zoe awakens near the abandoned Church of Laments, where the cries of persecuted nuns echo, praying for the return of their Goddess and her blessings.Now they journey separately, desperate to reunite with each other amidst the chaos of a dying world.

Lin Yuan traversed to an urban romance novel. His identity is a Gao Fushuai and he is also a villain. Fortunately, he can make choices to get corresponding rewards. Note- Gao Fushuai means tall, rich, and handsome (Mr.Perfect).