In This Life, The Greatest Star In The Universe - Chapter 96:

The prospective college student Luo Ji, who is enjoying the last summer of the third year of high school, has undergone earth-shaking changes at this moment after accepting the invitation of the game friend and becoming the player of the game of “Civilization Rise”.
This is a war game between the world and the world, and it is a fierce collision between civilization and civilization!
To annex the five continents, sweeping across the three oceans, and see how Luo Ji led his people, in this powerful enemy look around, the battlefield of the heroes to fight for a battle to the most powerful imperial civilization!

- Description from uukanshu translation

Humanity has conquered half the galaxy and the Age of Mechs reigns supreme!Ves Larkinson lacked the genetic aptitude to become a famed mech pilot. Fighting against his fate, he studied mech design in order to express his love for mechs as a builder instead of a soldier.When Ves graduated from college, he returned to a new but empty boutique. Left with a small, newly founded mech workshop that his father painstakingly built with a mountain of debt, Ves somehow needs to make ends meet with the bank breathing down his neck.In the midst of his despair, he found salvation from another legacy his father had left."Welcome to the Mech Designer System. Please design your new mech."--Join The Mech Touch's unofficial Discord server: https://discord.gg/APB5KCU

Unique skill ‘creditor’ which can bet with its debtors on the unpaid debts.

And the ability to take skills and stats!

Kang Yoo-sik’s chance to start a new life at the Hunter Military Academy.