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In the end, Lü Yang still chose to take out the loan.
Surprisingly, although a Great Dao Immortal Talisman was essentially a worthless piece of paper, the difficulty of refining one was quite high, mainly due to the large number of anti-counterfeiting measures.
"If this were an ordinary person, they would waste a lot of time just going from taking out a loan for the Refining Method, to learning it, to finally getting the hang of the refining process. By the time they could actually refine their own Immortal Talisman, the one-hundred-million loan would have compounded interest to a sum that would be incredibly difficult to repay."
By then, they would be trapped.
'Thankfully, my Enlightenment is extraordinary, so I don't have to worry too much.' With this thought, Lü Yang immediately passed the Immortal Talisman Refining Technique to Progenitor Tingyou inside the Righteous Banner.
