MTL - Death Benefit - Chapter 91 confusion

The end of the world is coming, the world has undergone great changes, and everything has changed. Plants, animals, and even insects, as long as there are living things, have mutated.
Become more powerful, and even evolved supernatural abilities, such as chickens and ducks that can fly to the sky, such as cats and dogs that can breathe fire.
But only humans, without any obvious changes, seem to have fallen from the top of the food chain to the bottom of the food chain overnight.
Any creature that can open its mouth to eat can treat humans as food.
But fortunately, this world has not completely killed humans. Gradually, humans discovered that they had the ability to cultivate compatibility with other creatures.
As long as it has a high degree of compatibility with some powerful mutant creatures, it can be used for its own use to achieve the purpose of protecting itself.
Fang He is a person who is very compatible with mutant animals, but it is also because of his ability that he has changed from the strongest to the stupidest.
Fang He, who was reborn, said, “Hmph, this time…”

- Description from novelbuddy

Lin Qingge’s body was pathetically weak, so weak that just taking a few steps would make him gasp for breath. His own family treated him like he didn’t exist. His birth mother died when he was young and his father promptly remarried and knocked his stepmom up. His father didn’t like him, his stepmom looked askance at him and his step siblings coveted his position. Who told him to be the lawful eldest with inheritance rights?

When Lin Qingge was eighteen he came out of the closet, creating a huge rift between him and his family. It was all for that guy, Liu Yang. He’d whispered sweet nothings in his ear, saying things like he’d protect him and bs like that. Lin Qingge’s old man blew his top when he found out and promptly disowned him. That didn’t matter to Lin Qingge, he had Liu Yang afterall. He fully believed in that guys words and goodwill.

If only he wasn’t so stupid…

Ultimately Liu Yang was like a vampire sucking his wealth dry, leaving a husk behind. After pushing Liu Yang to a high position, Lin Qingge finally collapsed in his apartment. It was a sad sorry sight. Closing his eyes, he knew this was the end of him. Who knew he would wake up instead in a different time and a different place?

Eh? What’s this? Well fine! This time I’m gonna hug that brother’s thigh real tight and never let go!

- Description from Novelupdates

Zhou Rui had just turned 20 when his life took an unexpected turn. He was hit by a truck one day. Just as he was convinced he was about to die, something strange happened. Instead of waking up in the afterlife, he opened his eyes as a baby. Later, he learn he had reborn as Lumien Ofnir, the youngest son of a baron.As Lumien grew up, he realized this world was nothing like Earth. Magic was real, and creatures like goblins, orcs, dragons, titans, and other mythical creatures were part of everyday life.Fortunately, in this dangerous world, Lumien received another blessing. It was a system.Follow Lumien's journey as he begins to explore this new world with the support of a Harem System. The mysterious cheat that allows him to copy and develop the magical powers of any woman he has slept with.[Author’s Note: The earlier chapters might feel slow and boring, but I promise it’ll all be worth it once the pace picks up.]

A suffering MC novel—the main character must be forced to suffer, be oppressed until they’re hovering between life and death, dying and living here and there. They can have a golden finger, but before getting it they must pay the price. They can also have beautiful women, but all are snake and scorpion beauties, able to look at but not eat.