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The idea was wonderful, but before it was formally implemented, numerous problems needed to be resolved first.
For instance, were there already similar organizations in the current Myriad Immortals Alliance?
Would his actions infringe upon others' interests, causing him to be casually executed by some powerhouse?
After some investigation, Li Fan felt reassured.
Currently, the Myriad Immortals Alliance lacked large-scale, organized lending practices.
Firstly, contribution points were difficult to obtain. Merely sustaining one's own cultivation was challenging enough—where would one find surplus contribution points to lend others?
Another crucial reason was that lending was easy, but collecting repayment was exceedingly difficult. The cultivation world was vast, and cultivators possessed countless methods to conceal themselves. One could simply hide in some remote mountain range, seclude themself for ten years, and never repay their debt. What could be done about it?
Perhaps powerful cultivators could perform precise tracking, but they likely prioritized their own cultivation and disdained taking on such distracting tasks with little practical benefit.
However, Li Fan was more than willing to go through the trouble.
During his return to Brightmoon Lake, Li Fan began formulating various plans for the future in his mind.
Over twenty days later, Li Fan returned to Brightmoon Lake.
In around forty days, the underwater cave dwelling was nearly completed. Yet these structures were only superficially ornate. Aside from the Myriad Immortals Array Banner Set, there were no other defensive measures whatsoever.
Considering...



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