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

[appleapple88]

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?

 

[HolyOrdos]

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

 

[Gorphee]

Any word on if this is getting scanilated/translated elsewhere?

 

[MalchiorDagon]

Oh christ I didn't even mention how he's essentially just a loan shark. Like, the fucking title. 10% per 10 days? Are you fucking shitting me? The "ability" itself points towards the protagonist being absolute scum. The face off against Altria or whatever the generic badguy's name was meant to be was meant to delive poetic justice, a sense of catharsis; instead, if you think about it, you'd realise that "huh, the antagonist's got a point here. He did all the heavy lifting, and now whatever rewards he's reaped with assistance are now entirely the banks. Isn't that fucked up?" And yes, it is. Disgusting manga churned out to gain money, may God bestow this mangaka naught but salt for their meals.

Found the villains account lol

 

[khangteri123]

horrible premise ngl. "actually my loan is compound interest" is such a fucking douchebag move that I don't understand how the writer think it would make the dude the sympathetic victim here. Bro is a literal loan shark. The party also have zero reason to repay the debt, they can just yeet him into the cave since the guy skill need their agreement to retake the debt. But they all decide to return it for some reason. But I guess it is a revenge porn fiction so no one beside our glorified loan shark MC is allowed to have even an ounce of brain

 

[BuyVelomobiles]

horrible premise ngl. "actually my loan is compound interest" is such a fucking douchebag move that I don't understand how the writer think it would make the dude the sympathetic victim here. Bro is a literal loan shark. The party also have zero reason to repay the debt, they can just yeet him into the cave since the guy skill need their agreement to retake the debt. But they all decide to return it for some reason. But I guess it is a revenge porn fiction so no one beside our glorified loan shark MC is allowed to have even an ounce of brain

What do you mean "Douchebag move"?

A) It's not like he decided to make it that way.
B) They didn't even try to understand the ability in the first place.
C) You say "loan shark" like they didn't have something like 6 months to pay it back before the debt's growth started going exponential.

 

[khangteri123]

What do you mean "Douchebag move"?

A) It's not like he decided to make it that way.
B) They didn't even try to understand the ability in the first place.
C) You say "loan shark" like they didn't have something like 6 months to pay it back before the debt's growth started going exponential.

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?

 

[BuyVelomobiles]

hose people don't even know the existence of compound interest, let alone questioning it.

Chapter 1.2, Page 17:

They knew about the interest the whole time, and had dutifully paid him back when they got the chance. This only became a problem when they took him for granted and decided to abuse the loan system. These are actual bums putting everything on the credit card.

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."

Even if we pretend, for the sake or argument, that he intentionally hid the compound interest in a cynical move to cripple the Hero's Party, they knew he would lend out points. They'd had these loans out for literal YEARS at this point without so much as remembering they have to repay him. If this kind of credit history could be pulled up at a bank... they'd be arrested on the spot for fraud.

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?

You say all this like they don't have half a year to pay him back for literally doing all their learning for them. I know you didn't read my other post about how exactly the interest would work out, so let me explain in slightly more detail:
It takes the loan a full six months to double in amount.

That is to say, that if you want to repay a 1000 SP loan (What they owed at the start) in 10 days, you'd need to get 110 SP a day. If you decide to pay it back in 70 days, the loan doubles, but you had 7 times longer to repay it, leaving you with a daily payment 3.5x lower than when you started. At 120 days, your daily repayment amount stop decreasing the longer you wait (I.e., it's becoming less efficient over time to not pay it back, so you need to work harder than before from now on), and at 380 days you're paying more, on average, per day than if you'd just paid off the loan in the first 10 days.

Literally just pay back your fucking debt, or learn the skill on your own.

My proof (Divided by 1,000 for simplicity):

1(1.1)= 1.1
1(1.1^7)≈1.9487171. 1.9487171<7 Where your pay period is larger than the multiple of your balance. (I.e., you owe twice as much, after 7 times longer)
1(1.1^38))≈37.4043. 37.4043≈38 Where your pay period is comparable to the multiple of your balance. (I.e., you owe 37.4 times as much after 38 times longer)

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?

Yeah, the big difference is he's loaning to the Jeff Bezos of this world. They're literally a monster-slaying party. Their whole thing is to use the skills to acquire more SP. This isn't money, where you might be borrowing some for a sick mom or something, then also burning through it to just survive. The points exist solely to acquire more skills, and have no other use. So setting some aside after literal months to pay back the guy who did your learning for you is both a sound idea, and easy as fuck given your job.

Look at it this way: They're investing the points into skills, making bank, and then refusing to pay the shareholder.

 

[khangteri123]

Chapter 1.2, Page 17:

Oh, right, I wonder what the next few pages are about...
Oh yeah, it is about how not a single person in the group has any idea what compound interest is, and the dude intentionally hid it the whole time. Can you actually read the manga before glazing it?

They knew about the interest the whole time, and had dutifully paid him back when they got the chance. This only became a problem when they took him for granted and decided to abuse the loan system. These are actual bums putting everything on the credit card.

They know about 10% per day, but they don't know it is compound interest. Why is this so hard for you to understand? It is literally in the manga; that is the goddamn premise of this story.

Even if we pretend, for the sake or argument, that he intentionally hid the compound interest in a cynical move to cripple the Hero's Party, they knew he would lend out points. They'd had these loans out for literal YEARS at this point without so much as remembering they have to repay him. If this kind of credit history could be pulled up at a bank... they'd be arrested on the spot for fraud.

No, they calculated beforehand that they would still have enough skill points if he tried to ask for the loan back. The only thing they don't consider is that the guy is a loan shark who hides how his debt works.

That is to say, that if you want to repay a 1000 SP loan (What they owed at the start) in 10 days, you'd need to get 110 SP a day. If you decide to pay it back in 70 days, the loan doubles, but you had 7 times longer to repay it, leaving you with a daily payment 3.5x lower than when you started. At 120 days, your daily repayment amount stop decreasing the longer you wait (I.e., it's becoming less efficient over time to not pay it back, so you need to work harder than before from now on), and at 380 days you're paying more, on average, per day than if you'd just paid off the loan in the first 10 days.

Your logic is so comically bad that it genuinely baffles me. When paying off compound debt, the sooner, the better. Do you know why it has a lower daily payment? Because you think people who pay off their debt are frozen in time while the guys still in debt are working. In reality, the other guy would still be working and earning every single dollar he gets without worrying about the loan.
Assume two guys borrow 1000SP; one pays it off after ten days, while the others hold on until 70 days. Both earn 110SP every day. After ten days, the first guy pays back his borrowed money and his debt(1000+100). And then every single SP he earns belongs to him. The other guy waits til the 70 mark to pay it off. Now, how many SP points each of them have?
First guy: 60*110=6600
The second guy, 70*110=7700, pays back his debt, which is about 2k=>5k7
Isn't it weird that the first guy actually turns out to be better? See, this is basic math. You are so busy defending a loan shark that you think late payment(til that magical 6-month mark) in compound interest is efficient just because the daily payment is lower. No shit, Sherlock, it is always the faster, the better unless you believe the money you keep can earn more money for you. But that is obviously not what you have in mind with that calculation.
Also, do you know why the party is fine with not returning it? Because they think it is a simple interest, not a compound one. Simple interest payments are the exact same no matter how much time passes. As long as they earn more SP daily than 100, they never risk bankruptcy. Yes, it is obviously still better that they pay off the debt, but it will never reach the point where they are at risk of running out of SP. Or at least that is how it should be if our glorified loan shark MC doesn't hide how his debt works.
Also, with your logic(which is horrendous, but I will give an example here to show you that your logic shot itself in the leg), the party's member have every reason not to pay back their debt when they think it is simply interest.
70 day=1700SP of debt=>24 daily payment
6 month=2800 SP of debt=>15.6 daily payment.
6 years=220000 SP of debt=>10.5 daily payment.
Do you see how, with your backward logic, the party actually pays less per day the longer they hold on to their debt, the debt which they believe to be the simple interest?

Yeah, the big difference is he's loaning to the Jeff Bezos of this world. They're literally a monster-slaying party. Their whole thing is to use the skills to acquire more SP. This isn't money, where you might be borrowing some for a sick mom or something, then also burning through it to just survive. The points exist solely to acquire more skills, and have no other use. So setting some aside after literal months to pay back the guy who did your learning for you is both a sound idea, and easy as fuck given your job. Look at it this way: They're investing the points into skills, making bank, and then refusing to pay the shareholder.

Ah yes, they refused to pay him back. Hmmm, I wonder what is this here...
Oh, right, they return his SP to him because that skill can't take back the loan unless he gets an agreement from the party. The reason why they don't simply pay back the debt despite the fact that they obviously can and later do is that this is the usual brain-dead "The hidden OP MC was kick out of that party because his party's member are full of dumbass who don't realize his actual potential and contribution" manga; no one in these type of manga is allowed to have a little functional brain besides MC and his harem(their brain doesn't work that well either but at least better than none).
And you still cope with the fact that the guy literally hides how his debt works and his skill is a literal loan shark reference.

 

[BuyVelomobiles]

Oh, right, I wonder what the next few pages are about...
Oh yeah, it is about how not a single person in the group has any idea what compound interest is, and the dude intentionally hid it the whole time. Can you actually read the manga before glazing it?

It's literally irrelevant whether they knew the whole time and forgot, or whether they just now found out. The problem isn't that they were swamped with their repayments because of the parasitic member, the problem is that they put the skills on the group's credit card, then decided that if the collectors aren't breaking their legs, they don't have to pay anything back.

They know about 10% per day, but they don't know it is compound interest. Why is this so hard for you to understand? It is literally in the manga; that is the goddamn premise of this story.

Per 10 days. And it's irrelevant if they don't know it's compound since the solution to the problem is just to pay him back before literal years pass. Both loans grow almost identically for the first three months.

No, they calculated beforehand that they would still have enough skill points if he tried to ask for the loan back. The only thing they don't consider is that the guy is a loan shark who hides how his debt works.

The calculation wasn't done at the start to avoid repaying him, it was done at the end to figure out whether they'd lose too much by kicking him out. You're trying to defend parasites here by trying to paint their defaulting on a loan as some pragmatic move.

Your logic is so comically bad that it genuinely baffles me. When paying off compound debt, the sooner, the better. Do you know why it has a lower daily payment? Because you think people who pay off their debt are frozen in time while the guys still in debt are working. In reality, the other guy would still be working and earning every single dollar he gets without worrying about the loan.

Huh? What are you talking about? It has a lower daily payment because the time you have to pay off the loan is growing faster than the loan itself. If you pay twice as much after twice as much time, your payment stays the same. If you pay twice as much after seven times longer, you have to make less per day. Sure, the loan's growing, but if you wanted to keep as much of your SP as you possibly could, you wouldn't take out a loan in the first place.

And what do you mean "still be working and earning every single dollar"? Who? MC? You think MC is fighting the whole time? You know he sits back and carries their stuff, right? He's just a pack mule that buffs the party. The Chapter 1, page 8 literally tells us all he does is learn the skills, then give them out. He doesn't have the points to use them at all. He even had other skills of his own, but he keeps giving everything he's got to the party, so he forgot them.

First guy: 60*110=6600
The second guy, 70*110=7700, pays back his debt, which is about 2k=>5k7
Isn't it weird that the first guy actually turns out to be better? See, this is basic math. You are so busy defending a loan shark that you think late payment(til that magical 6-month mark) in compound interest is efficient just because the daily payment is lower. No shit, Sherlock, it is always the faster, the better unless you believe the money you keep can earn more money for you. But that is obviously not what you have in mind with that calculation.

No, it's not "weird". The first guy offered the second a service: he learned skills for everyone, then literally lent them out. The term for that was that they had to repay him with an interest rate of 10% every 10 days. You can't just tell me the guy who lent out the skill if some kind of thief because he ends up better. It's kind of like saying that my boss stole my money because he made a profit after I worked all day.

If you provide a good, or perform a service other people are willing to pay for, then you should end up better off. All this talk about SP or whatever, but none about the skill that the guy who took out the loan got and the lender didn't keep.

Also, do you know why the party is fine with not returning it? Because they think it is a simple interest, not a compound one. Simple interest payments are the exact same no matter how much time passes. As long as they earn more SP daily than 100, they never risk bankruptcy.

Because they literally forgot. Read the page I linked. The Chapter 1, page 10 is telling us that they think they're winning without the guy's help. And they've been taking out more and more loans as time went on. Hell, chapter 1, page 12 has him loaning out a full 12 skills at once. It was only after they thought about kicking him out that they started crunching the numbers on what they owed.

Ah yes, they refused to pay him back. Hmmm, I wonder what is this here...

Them paying him back because they're going to lose all the skill they borrowed if he dies anyway. If they're losing everything one way or another, they figure he could at least use the stuff he lent out to deal some damage for them.

Let me put it this way: I gave you a magic gun that disappears when I die. You want me to to fight some monster to the death so you don't have to pay me my retirement.

Do you:
A) Send me in without the gun, then watch it vanish from your hands the moment I die

or

B) Give me the gun so I can at least shoot the monster a couple of times?

The party chose B.

 

[khangteri123]

It's literally irrelevant whether they knew the whole time and forgot, or whether they just now found out. The problem isn't that they were swamped with their repayments because of the parasitic member, the problem is that they put the skills on the group's credit card, then decided that if the collectors aren't breaking their legs, they don't have to pay anything back.

You are sure quick to backtrack from "They already knew about the interest rate" to "Actually, it doesn't matter." No shit Sherlock, it matters. The mage girl is a literal calculator; if she know that his debt is compound, she would remind everyone to pay it off. They already did the math and knew that nothing significant would be lost even if he took his SP back. That is until MC reveals that he hid how his debt worked the whole time.

Per 10 days. And it's irrelevant if they don't know it's compound since the solution to the problem is just to pay him back before literal years pass. Both loans grow almost identically for the first three months.

The debt grows every ten days, not the deadline is in 10 days. There is no deadline, and they can borrow it indefinitely. They don't care about returning it because they earn far more than 100SP daily, which they believe to be the fixed interest rate. Yeah, obviously, the best option is to pay the dude back, but we are arguing about the guy intentionally hiding how his power works, not that his friends are dumbass. Don't try to move the goalpost. I'm pretty sure you know full well that you cannot defend the dude anymore, so you move on to how dumb his party's members are instead.

Huh? What are you talking about? It has a lower daily payment because the time you have to pay off the loan is growing faster than the loan itself. If you pay twice as much after twice as much time, your payment stays the same. If you pay twice as much after seven times longer, you have to make less per day. Sure, the loan's growing, but if you wanted to keep as much of your SP as you possibly could, you wouldn't take out a loan in the first place.

The daily payment means nothing if you can manage to pay off the debt in one go. Every day you wait is more debt you must pay, which is more SP/money out of your pocket. They take out the loan because they use that SP to invest in combat, which earns them more SP. This is literally just basic business. And the sooner they return the payment money, the more SP they get to keep in the end. This is why a lower daily payment is meaningless if you actually earn enough to pay it back in one go.

And what do you mean "still be working and earning every single dollar"? Who? MC? You think MC is fighting the whole time? You know he sits back and carries their stuff, right? He's just a pack mule that buffs the party. The Chapter 1, page 8 literally tells us all he does is learn the skills, then give them out. He doesn't have the points to use them at all. He even had other skills of his own, but he keeps giving everything he's got to the party, so he forgot them.
No, it's not "weird". The first guy offered the second a service: he learned skills for everyone, then literally lent them out. The term for that was that they had to repay him with an interest rate of 10% every 10 days. You can't just tell me the guy who lent out the skill if some kind of thief because he ends up better. It's kind of like saying that my boss stole my money because he made a profit after I worked all day.

If you provide a good, or perform a service other people are willing to pay for, then you should end up better off. All this talk about SP or whatever, but none about the skill that the guy who took out the loan got and the lender didn't keep.

You really have a serious reading comprehension issue. My example is two guys taking out the same loan amount but paying it off at different times. The first guy who repays the debt as soon as possible has more SP in the end than the other guy who waits until 70 days to pay it off. This is to show you the flaws in your math about how paying it off by the 70th day is more efficient than paying it off by the 10th day. The first guy is not the MC; he is some hypothetical dude who also borrows 1000SP.
Also, ain't it funny that when I use your exact logic against you, it turns out that if the loan is indeed a simple compound like the dude has led his party to believe in, it will result in lower daily payments the longer they hold on to the loan, indefinitely?

Because they literally forgot. Read the page I linked. The Chapter 1, page 10 is telling us that they think they're winning without the guy's help. And they've been taking out more and more loans as time went on. Hell, chapter 1, page 12 has him loaning out a full 12 skills at once. It was only after they thought about kicking him out that they started crunching the numbers on what they owed.

They didn't forget. The mage girl literally told the MC that she still remembers. But she has so many skill points that it doesn't matter anymore, and it's the same with the rest of the party. That girl, before losing her skill, is a literal computer who can calculate compound interest of 6 years in mere seconds. The party just grows arrogant, which is the most basic trope in this type of manga. The members know those skills exist, and they borrow his skills. They are just so fucking dumb and think that poison resistance is not important in a dungeon filled with poison. But as I already mentioned, no one besides the MC and his harem is allowed to have even an intelligent thought.

Them paying him back because they're going to lose all the skill they borrowed if he dies anyway. If they're losing everything one way or another, they figure he could at least use the stuff he lent out to deal some damage for them. Let me put it this way: I gave you a magic gun that disappears when I die. You want me to to fight some monster to the death so you don't have to pay me my retirement. Do you: A) Send me in without the gun, then watch it vanish from your hands the moment I die or B) Give me the gun so I can at least shoot the monster a couple of times?

Seriously, you shouldn't try to find logic in this mess. His party believes he is useless, and the skills he loans them are garbage. The party has zero reason to think he would even make a dent in the boss; even the swordman guy thinks so. This is just a purely sadistic decision from that guy, not a logical one.
Besides that, why does this explanation matter? Your point is that they refused to pay him back, which they did. That is literally how the mess even begins. The contract has no loan deadline; the term is indefinite. Unless the dude directly asks for the loan, the party's members have no fault in not returning it; they are just dumb in doing so.

Once again, this is not the main focus of this argument. The main point is that the dude hides how his debt works and is a literal loan shark. You know full well that you cannot defend the guys anymore. So you shift the focus to "Actually, it's his party's member's fault for not paying it back early." Yeah, no shit Sherlock; no one is arguing that they aren't stupid. But you can't change the fact that his power is a real-world term for loan shark debt interest in Japanese, and he intentionally hides how that works from the party.

 

[BuyVelomobiles]

You are sure quick to backtrack from "They already knew about the interest rate" to "Actually, it doesn't matter."

What do you mean "backtrack"? They knew, they stopped caring, main hero dude forgot, the two bumbling idiots probably only remembered after the genius girl brought it up in their talk about abandoning him, and the entire argument about what exactly they believed is irrelevant because the solution to both scenarios is the same: Don't default for years. Knowledge wasn't the way out of this; Integrity was.

The debt grows every ten days, not the deadline is in 10 days. There is no deadline, and they can borrow it indefinitely. They don't care about returning it because they earn far more than 100SP daily

They don't care about returning it because they're entitled assholes. Eventually, they outright forgot until they decided they weren't content with stiffing him on SP, but his pension too. That's the entire point of the manga. They're not otherwise-decent people who made a calculated decision to put off loan repayments until they retire, they're entitled leeches who decided they don't owe MC anything. All their misfortunes stem directly from taking from MC, then deciding they don't owe him shit. Guy literally learns all your skills for you? "Give it here already. Repayment? Is that some kind of desert?" 7 years of service? "Hey, buddy, go die before we owe you your pension"

eah, obviously, the best option is to pay the dude back, but we are arguing about the guy intentionally hiding how his power works, not that his friends are dumbass. Don't try to move the goalpost. I'm pretty sure you know full well that you cannot defend the dude anymore, so you move on to how dumb his party's members are instead.

Friends? They haven't listened to him for over three years. And no word on how badly they treated him before that. And they've never taken any interest in him past the bare minimum info needed to know what he can do for the party. And again: The difference is irrelevant if you just pay him back in less than three full months. Worst-case scenario here for a decent person is a loan takes longer than expected to repay, you notice its a bit higher than you expected, then never make the same mistake again.

You really have a serious reading comprehension issue. My example is two guys taking out the same loan amount but paying it off at different times.

You English isn't nearly as good as you think it is. I'm putting up with it because it's pretty readable, but you really had trouble explaining that one.

This is to show you the flaws in your math about how paying it off by the 70th day is more efficient than paying it off by the 10th day. The first guy is not the MC; he is some hypothetical dude who also borrows 1000SP.

There's no flaw in the math. Daily repayments are lower until a full year later. If you think there's something else I'm trying to say, that's all you.

Also, ain't it funny that when I use your exact logic against you, it turns out that if the loan is indeed a simple compound like the dude has led his party to believe in, it will result in lower daily payments the longer they hold on to the loan, indefinitely?

My logic is "Pay back your debts". You're the only one seriously trying to defend them not paying him back immediately. I just point out that if the original term is too hard for whatever reason, you've got almost three months to pay it back by only putting in a fraction of the work you'd need for the first period.

They didn't forget. The mage girl literally told the MC that she still remembers. But she has so many skill points that it doesn't matter anymore, and it's the same with the rest of the party. That girl, before losing her skill, is a literal computer who can calculate compound interest of 6 years in mere seconds.

Funny you mention that. Because yeah, she did only calculate it on the spot. It wasn't even a factor until, again, they decided to fuck him.

The party just grows arrogant, which is the most basic trope in this type of manga. The members know those skills exist, and they borrow his skills. They are just so fucking dumb and think that poison resistance is not important in a dungeon filled with poison. But as I already mentioned, no one besides the MC and his harem is allowed to have even an intelligent thought.

Right. They're the cause of their own problems.

Seriously, you shouldn't try to find logic in this mess. His party believes he is useless, and the skills he loans them are garbage. The party has zero reason to think he would even make a dent in the boss; even the swordman guy thinks so. This is just a purely sadistic decision from that guy, not a logical one.

The logic is simple: They don't care. So they suffer for it. You're the one trying to logic it out by trying to turn their whole "Fuck you, I don't have to pay anything back" attitude into a calculated move on their part.

The contract has no loan deadline; the term is indefinite. Unless the dude directly asks for the loan, the party's members have no fault in not returning it; they are just dumb in doing so.

They're completely at ault. They even went out of their way to pay him back at first.

 

[EliasJedi]

Would the party have paid back their debt earlier if they knew the loan was compounding instead of normal?
Also, can someone only pay back the points if he innitiates the transfer? Like if he was out of town could they get forced into the perpetual debt range? lol
If he died to the snake boss like the party wanted him to, wouldn't they lose the poison resistance skill and instantly fail the dungeon as well? This is in spite of knowing the poison resistance is essential to this dungeon so plan was awful from the start.

 

[khangteri123]

What do you mean "backtrack"? They knew, they stopped caring, main hero dude forgot, the two bumbling idiots probably only remembered after the genius girl brought it up in their talk about abandoning him, and the entire argument about what exactly they believed is irrelevant because the solution to both scenarios is the same: Don't default for years. Knowledge wasn't the way out of this; Integrity was.

Do you really not understand, or do you know that you are wrong, so you try your best to pretend not to understand? The argument is about how MC hides how his debt works, not his friends. You will drop that conversation entirely once I show you that he actually hid it.
Also, what default? Don't throw random terms around without understanding what they mean. His skill's debt doesn't have a deadline for payment, and he also can't do anything if they decide not to pay at all. The loan just keeps growing indefinitely until they decide to pay it back.

They don't care about returning it because they're entitled assholes. Eventually, they outright forgot until they decided they weren't content with stiffing him on SP, but his pension too. That's the entire point of the manga. They're not otherwise-decent people who made a calculated decision to put off loan repayments until they retire, they're entitled leeches who decided they don't owe MC anything. All their misfortunes stem directly from taking from MC, then deciding they don't owe him shit. Guy literally learns all your skills for you? "Give it here already. Repayment? Is that some kind of desert?" 7 years of service? "Hey, buddy, go die before we owe you your pension"

Yeah, I can confirm now that you know that you are wrong, so you are trying to shift the conversation to the party. Of course, they are assholes, but that doesn't change the fact MC is a loan shark. At this speed, you will soon move the goalpost to the moon.

Friends? They haven't listened to him for over three years. And no word on how badly they treated him before that. And they've never taken any interest in him past the bare minimum info needed to know what he can do for the party. And again: The difference is irrelevant if you just pay him back in less than three full months. Worst-case scenario here for a decent person is a loan takes longer than expected to repay, you notice its a bit higher than you expected, then never make the same mistake again.

Ah yes, so now you resort to nitpicking and semantics; this feels like you are scraping the bottom of the barrel to find any irrelevant bit to keep arguing. See, you cannot deny that MC is a loan shark who hides how his debt works, so your only strategy now is to shift the entire blame to his party. He is the loan shark and the only person who has any idea about compound interest. Why should it be the debtor's responsibility to ask about the interest rate and not the guy who loans out money? The party doesn't even know what compound interest is, so why should they question it?

You English isn't nearly as good as you think it is. I'm putting up with it because it's pretty readable, but you really had trouble explaining that one.

I believe that it is all on you if you cannot understand a simple sentence such as "two guys borrow 1000SP; one pays it off after ten days, while the others hold on until 70 days".

There's no flaw in the math. Daily repayments are lower until a full year later. If you think there's something else I'm trying to say, that's all you.

The flaw in the math is that you think daily payment matters. Once again, in my example, the first guy finishes his debt with more SP than the second guy despite having higher daily payments. There is no "efficient", the only situation that you would delay your payment is when you can't pay it yet.

My logic is "Pay back your debts". You're the only one seriously trying to defend them not paying him back immediately. I just point out that if the original term is too hard for whatever reason, you've got almost three months to pay it back by only putting in a fraction of the work you'd need for the first period.

I think you are having a hard time comprehending that the entire party still thinks the debt is simple interest, not compound. And I use your logic about lower daily payments to show you that if interest is simple, the longer you hold on to the debt, the lower the daily payment. So the party actually has a reason to hold on(by your own logic, lmao).

Funny you mention that. Because yeah, she did only calculate it on the spot. It wasn't even a factor until, again, they decided to fuck him.

It is not even a factor because none of them know what compound interest is. They literally just learn it on spot. Your effort to keep ignoring how MC hides his true interest rate is quite amusing.

Right. They're the cause of their own problems.

See, you don't even pretend anymore. Yes, they are goddamn dumbass, but the point is MC is a literal loan shark.

The logic is simple: They don't care. So they suffer for it. You're the one trying to logic it out by trying to turn their whole "Fuck you, I don't have to pay anything back" attitude into a calculated move on their part.

It literally does not benefit them in any way, and it is only a pure sadistic decision by the swordsman guy. You try to make sense of that decision. I don't. I simply state that them giving back his SP is a stupid action without any reason behind it.

They're completely at ault. They even went out of their way to pay him back at first.

Yeah, and how does that matter? MC is still a loan shark who hides how his debt interest works.
Look, we both know that you are wrong, and you are just trying to shift the conversation. I already established that this manga is full of stupid assholes besides MC and his harem; you don't need to convince me about that. But even an idiot can see that you have already given up on arguing about the MC. You know you are wrong, and he is indeed hiding his debt.

In the end, this is just a common generic "OP MC get kicked out of his party" manga that you would read to relax and turn off your brain. I just point out the fact that making the MC a fucking loan shark turns off any sympathy I would otherwise have for him, which defeats the purpose of those types of manga. His friend being dumbass doesn't change this fact, that's it.

 

[khangteri123]

Would the party have paid back their debt earlier if they knew the loan was compounding instead of normal?
Also, can someone only pay back the points if he innitiates the transfer? Like if he was out of town could they get forced into the perpetual debt range? lol
If he died to the snake boss like the party wanted him to, wouldn't they lose the poison resistance skill and instantly fail the dungeon as well? This is in spite of knowing the poison resistance is essential to this dungeon so plan was awful from the start.

They definitely would. The mage girl can easily calculate how much debt they would be in if they didn't do so. Unless, well, they don't have a functioning brain. And they are really that dumb, tbh. But the author probably realizes it is also weird to have a walking computer in the group but still fails to do the math. You can attribute anything else to arrogance, but simple math is harder to justify.
If he gets out of range, they would just lose the skill he lent to them, but the SP point of the other skill will be left untouched. And the guy can't take back his loan SP unless the debtors give him their consent.
Yes, they will. The party is dumb enough to think poison resistance is not an important skill in this dungeon(despite them forcing him to learn it in the beginning specifically for this). So yeah, most of the time in this type of manga, you will have those party members being the most goddamn brain-dead people on the planet.

 

[TestAddress]

Another manga with similar plot, but base exp instead of skill exp, came out:

https://mangadex.org/title/fd2cecf6...unpai-nouryokusha-no-isekai-saikyou-solo-life

This one is better.

 

[TestAddress]

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

Harem and loan sharks do not go together in manga. In real life they match.

 

[BuyVelomobiles]

Do you really not understand, or do you know that you are wrong

I've lost all interest in this. Half of everything you say is some variation of "You know I'm right, you stupid stupid dumb", and I'm tired of it. I have better things to do than argue with someone like that. I'm all for being a smug dickhead, but this is about my limit for it.

 

[khangteri123]

I've lost all interest in this. Half of everything you say is some variation of "You know I'm right, you stupid stupid dumb", and I'm tired of it. I have better things to do than argue with someone like that. I'm all for being a smug dickhead, but this is about my limit for it.

It's hard not to be like that when more than half of your argument is moving the goalpost and deflection. But yeah, you do you

 

[TestAddress]

Can we get a landlord isekai next?

Haven't they animated yet that Grecior isekai salaryman???