Gikou Taichi "Skill Lender" no Torikaeshi ~Toichi tte Saisho ni Itta yo na?~

[TestAddress]

Hmmm there is no harem tag?? Is this somehow a wholesome romance?

There should be a panty flash tag.

 

[Darkgon]

I'm now only reading this bc of morbid curiosity. It lost me in the first chapter where they said "Hey, we are going to let you die to the boss monster so we can get ur severance payment". They then have a chapter long conversation about his stupid loan terms. And then.......they agree to give back what they were lent.......WTF. This story should have been have a chapter long. They get to the boss room, yeet him into it, wait 5 minutes, go kill boss, profit. Instead, they have a giant conversation and then we find out two really stupid things. One, he has to be given back his stuff, he can't just take it back (which is stupid af, just don't give his skills back) and two, the evil party members know they are losing their skills, including the poison resistance skill he just learned and lent you them that day and is keeping them conscious. How dumb can you be?

Ehhhh I would say the author did a good way of reasoning it. "We're just going to lose the SP for the skills when he dies anyway. Might as well give them back so he can do more damage for us and make the job easier."
That explanation basically has no downside until he reveals the interest is compounding for people like them. It's surprisingly logical.

 

[Ironclad]

Typical shoelacer trash, the dog is cute though.

 

[IronicWeeaboo]

man, what's with isekai garbage and having a scorned MC who conveniently manages to screw over the people who screwed him over and then immediately going to create a harem?
inb4

it's not an isekai

no, it's not fantasy. It's an isekai with generic JRPG mechanics pretending to be fantasy

i get this shit is supposed to be wish fulfillment garbage, but come the fuck on they're all carbon copies of one another with the only differences being the names, how the MC fucks them over, and the artist

 

[CasualMangaFan]

What is up with this mangaka, and their fetish of oppai lolis? Excluding the first two girls of a well developed adult woman, and a petit wolf girl, the recent ladies have all been short woman with massive breasts that shouldn't match their stature.

 

[SzisziSenpai]

Why is there a sexual violence tag in this? The last time I've checked I'm pretty sure there were no tag like that there. What happened in the manga?

 

[coyote_vdb]

Yet another AI-written fantasy trash with crappy main character becoming god-like and a chick magnet after being kicked-out of a powerful party. Nothing original, no personality whatsoever and the characters are not even likable.

 

[Dragnos]

Those people don't even know the existence of compound interest, let alone questioning it. And he intentionally hides the fact that his ability functions that way. Imagine borrowing money from the bank to buy a house and believing you can pay it off in 10 years until the bank goes, "Oopsie doopsie, our interest is actually compound, so I'm gonna take your house, all your belongings, and your soul."
Oh, right, six whole months, how generous. "My loan shark let me keep his money for longer; he must be a good guy and not because he is hiding how his debt works and waiting for the debt to grow exponentially until we can't ever realistically pay off his debt." His ability is called Toichi, a literal criminal word used to describe loans of this exact rate. Yes, his power is a literal reference to the Japanese loan shark. Still think he isn't one?

to be fair that was IRL before there was a regulator for banks... unless it still is.

 

[Dragnos]

man it's always so-super funny when you see people who hate something go on a manga with said something that they hate, and then complain they didn't like it.
though in this case, it's more like they read this with optimism that this fantasy was different from other fantasy manga and said "damn i'm mad that this isn't different fantasy!" (notice i'm not saying good fantasy or bad fantasy: i said different)

 

[Zwyck]

And the translation is BAAAAAAADDDDDDD. Man the translators are trash. 4/10

heavy emphasis on this

i picked this up bc it had decent art but decided to drop chapter with how bad the translation is . i wouldnt have have mind the story but reading this felt like such a headache

 

[Nikodemsky]

It's actually boring...

Later it's just becomes cliche cultivation fantasy and mc is just terribly overpowered with nothing really that can go aggainst him. At this point the whole motive just doesn't matter.

The "end" for the last party was kind of satisfying, if you are looking for characters, that fall of really high horse, loose everything and became miserable. Bit of a subtle revenge porn, i guess?

Anyway i've got through 40 chapters and feels like i could spend that time better on pretty much anything else.

 

[sanglyon]

I dropped it, because it glosses over the biggest plothole in the story, the magician girl, in another instance of "don't think, just hate the characters the author tell you to hate".

The skill she was lent supposedly made her a genius, but somehow, she couldn't anticipate the consequences of their leader's plan? Really?
Once this skill is removed, she turns back into a naive idiot girl who acts friendly to everyone. So obviously, her true nature isn't bad.
If this was written by a better author, that would imply the skill itself had a side-effect of changing her personnality, which makes it the MC's fault, and have him take responsability for her now he's turned her back into a defenseless, harmless simpleton.

Or, maybe, since the skill augmented her intelligence, now it's been removed "with interest", she's even less smart than originally? Then, why doesn't that apply to the others? Shouldn't the team leader have even less reflexes/perception after his "eye of god" or whatever was removed, to the point of not being to move normally?

Anyway, getting more "revenge" on the girl at this point is like finding out your HS bully got brain-damaged in an accident and is now mentally 4 years old, sitting on the floor drawing with crayons and watching Bluey, and punching him in the face.

 

[dreaner74]

I dropped it, because it glosses over the biggest plothole in the story, the magician girl, in another instance of "don't think, just hate the characters the author tell you to hate".

The skill she was lent supposedly made her a genius, but somehow, she couldn't anticipate the consequences of their leader's plan? Really?
Once this skill is removed, she turns back into a naive idiot girl who acts friendly to everyone. So obviously, her true nature isn't bad.
If this was written by a better author, that would imply the skill itself had a side-effect of changing her personnality, which makes it the MC's fault, and have him take responsability for her now he's turned her back into a defenseless, harmless simpleton.

Or, maybe, since the skill augmented her intelligence, now it's been removed "with interest", she's even less smart than originally? Then, why doesn't that apply to the others? Shouldn't the team leader have even less reflexes/perception after his "eye of god" or whatever was removed, to the point of not being to move normally?

Anyway, getting more "revenge" on the girl at this point is like finding out your HS bully got brain-damaged in an accident and is now mentally 4 years old, sitting on the floor drawing with crayons and watching Bluey, and punching him in the face.

I actually feel bad for her, that shes actually friendly/normal and not hating anything after and kinda hope she gets saved somehow by Marz or something?

 

[dimitris96]

I dropped it, because it glosses over the biggest plothole in the story, the magician girl, in another instance of "don't think, just hate the characters the author tell you to hate".

The skill she was lent supposedly made her a genius, but somehow, she couldn't anticipate the consequences of their leader's plan? Really?
Once this skill is removed, she turns back into a naive idiot girl who acts friendly to everyone. So obviously, her true nature isn't bad.
If this was written by a better author, that would imply the skill itself had a side-effect of changing her personnality, which makes it the MC's fault, and have him take responsability for her now he's turned her back into a defenseless, harmless simpleton.

Or, maybe, since the skill augmented her intelligence, now it's been removed "with interest", she's even less smart than originally? Then, why doesn't that apply to the others? Shouldn't the team leader have even less reflexes/perception after his "eye of god" or whatever was removed, to the point of not being to move normally?

Anyway, getting more "revenge" on the girl at this point is like finding out your HS bully got brain-damaged in an accident and is now mentally 4 years old, sitting on the floor drawing with crayons and watching Bluey, and punching him in the face.

Simply I dropped it from the start the moment i started thinking about this skill and the starting chapters.

 

[stfuad]

man it's always so-super funny when you see people who hate something go on a manga with said something that they hate, and then complain they didn't like it.
though in this case, it's more like they read this with optimism that this fantasy was different from other fantasy manga and said "damn i'm mad that this isn't different fantasy!" (notice i'm not saying good fantasy or bad fantasy: i said different)

NGL I’m one of those, so many have potential despite the overused manga tropes. Then due to the author being a poor writer I just end up disappointed and need to bitch. Like just include character growth and some struggles that aren’t entirely due to the MC being a pushover.

I dropped this a while ago because it just became so boring. Once MC leaves his party he never struggles, the only time he did was when he was with his old party and that’s mostly due to him being a moron. Now he’s just a self-righteous OP moron.

 

[RiffRaffROTFL]

Mediocrelicious.

 

[HaveABanana]

I guess all the chapters were already gone by the time I got here so I had to read elsewhere. Once the story gets going it's a little easier to overlook the faults but if you want to see them they can be kinda glaring.

The initial premise doesn't quite make sense with who the MC is in the later parts. He goes from somehow letting himself be completely taken advantage of to being the usual OP dude, but notably with an emphasis on people trading for exactly what they're owed. It's a bit of a reach but it can kind of be justified if we assume he was just really dumb and naive at the start, but that the skills he LUCKILY recovered before getting killed gave him a lot more intelligence.

The circumstance around that initial betrayal are really hard to stomach. You can kind of justify that by saying his party was just really dumb and hubris got the better of them, but it really doesn't make sense that they would bother letting him coerce them into voluntarily returning all his power. Especially when he clearly has some wiggle room to recover what he's owned without consent.

 

[nateroux7]

I guess all the chapters were already gone by the time I got here so I had to read elsewhere. Once the story gets going it's a little easier to overlook the faults but if you want to see them they can be kinda glaring.

The initial premise doesn't quite make sense with who the MC is in the later parts. He goes from somehow letting himself be completely taken advantage of to being the usual OP dude, but notably with an emphasis on people trading for exactly what they're owed. It's a bit of a reach but it can kind of be justified if we assume he was just really dumb and naive at the start, but that the skills he LUCKILY recovered before getting killed gave him a lot more intelligence.

The circumstance around that initial betrayal are really hard to stomach. You can kind of justify that by saying his party was just really dumb and hubris got the better of them, but it really doesn't make sense that they would bother letting him coerce them into voluntarily returning all his power. Especially when he clearly has some wiggle room to recover what he's owned without consent.

I guess they figured at least he would weaken the monster for them while fighting for his life. They truly believed they had nothing to loose.

 

[rhowryn]

Those people don't even know the existence of compound interest, let alone questioning it. And he intentionally hides the fact that his ability functions that way. Imagine borrowing money from the bank to buy a house and believing you can pay it off in 10 years until the bank goes, "Oopsie doopsie, our interest is actually compound, so I'm gonna take your house, all your belongings, and your soul."
Oh, right, six whole months, how generous. "My loan shark let me keep his money for longer; he must be a good guy and not because he is hiding how his debt works and waiting for the debt to grow exponentially until we can't ever realistically pay off his debt." His ability is called Toichi, a literal criminal word used to describe loans of this exact rate. Yes, his power is a literal reference to the Japanese loan shark. Still think he isn't one?

That IS how variable rate fixed payment mortgages work if the rate goes up. And the interest on those loans IS compound on the interest. Don't get me wrong, IRL isn't (usually) some silly "10% in 10 days" rate, but still.

I think the biggest problem in this attempt at a hook is the disconnect between how 'smart' the mage girl is supposed to be, how long they've planned the betrayal, and the complete overlooking of a very simple concept the MC has allegedly mentioned at the beginning of the loan.

None of it makes any sense.

 

[nateroux7]

That IS how variable rate fixed payment mortgages work if the rate goes up. And the interest on those loans IS compound on the interest. Don't get me wrong, IRL isn't (usually) some silly "10% in 10 days" rate, but still.

I think the biggest problem in this attempt at a hook is the disconnect between how 'smart' the mage girl is supposed to be, how long they've planned the betrayal, and the complete overlooking of a very simple concept the MC has allegedly mentioned at the beginning of the loan.

None of it makes any sense.

MC could've explained the terms of the contract before she was super genius. She figured out the math immediataltey after he cleared up the misunderstanding.