MTL - The Sick Villain Just Want to Live - Chapter 37 debt collection

Oscar, a destitute young boy, died in a tragic accident and was reborn in the forgotten realm. As a member of the lowly Birch tribe, his solace comes from the fragments of a guardian's spirit, residing in his soul. After the decimation of his family in the hands of a powerful race known as the dreads, he embarked on the part of revenge, leading him to the path of transcendence.

This is a story of a modern man returning to ancient times, returning to a real world without any extraordinaryness, and slowly rising by relying on the ability to attribute all data.

- Description from novelbuddy

Leon was your typical guy, perceived as weak in his school because his skills hadn't awakened, even though they usually did at the coming of age. He attended the prestigious Milham's Magic Knight Academy, where snagging the top spot meant automatic entry into the esteemed position of a Magic Knight in the country. Unfortunately, Leon found himself in the lower caste, labeled the most useless student. To top it off, he was tossed into a class that served as a sanctuary for oddballs and delinquents. Yet, he couldn't care less, as becoming a Magic Knight wasn't his goal.Everything shifted when he crossed paths with Shredica, a woman hell-bent on becoming a Magic Knight at any cost. Observing Leon's lack of ambition and his apparent detachment from the academy's pursuits, Shredica saw an opportunity. She decided to exploit him as a pawn in her ascent through the academy's hierarchy.Yet, unbeknownst to Shredica, Leon was not the complacent, unremarkable figure she presumed him to be.

There’s a legendary Bishoujo Game that has become popular among Japanese gentlemen.