After Rebirth, Mrs. He Dotes On Her Husband - Chapter 446 - : Everything Is Fine

He doesn’t know why his mind has been transferred into that of a petty thief named Soran within the VRMMO . The new ‘Soran’ though possesses both the body’s previous occupant’s memories and his own. Using his experience as a Legendary Rogue who had reached the apex known as the Realm of Legends, he will now have to survive in this world which had once been a game to him.

Three years after graduation, Chu Mo, who could barely maintain his most basic life, opened the Shenhao system, and an unlimited and safe bank card appeared in front of him. start a company? to invest? buy stocks? These in unlimited banks…

- Description from novelbuddy

An AI calling itself Schema has assimilated earth into its system. As a consequence, everyone gained access to status screens, power-ups, and skills. This AI turned these concepts from fiction to fact. It's easy to become intoxicated with leveling up and becoming stronger. To some, it's too good to be true like living out a dream.

For Daniel, however, it's closer to a nightmare.

He's in a bit of a predicament. Cracks in our dimensional fabric have unleashed terrifying beasts from dark, abyssal places. Schema organizes these cracks into dungeons, giving the native species of the planet a chance to fight back. Daniel finds himself trapped in one of these dungeons. Not long after, he discovers there's only one way out.

“There are no heroes. In life, the monsters win.”

...

In 2106, [Mayhem Online], a fully immersive VRMMO game, was released. Soon, it dominated the world's economy when people could exchange the in-game currency with real-life currency and vice versa.

In the year 2107, Flynn Grey, a 22-year-old college dropout with an ambiguous history, joined in the fray of billions of people that had already started playing [Mayhem]. Hoping to uncover the game's secret and earn a fortune, he spent months on adventures without fruitful results.

For better or worse, Shura, Flynn's in-game character, ends up in a great Wyvern's den, acquiring a hidden class and a monstrous race. Join him as he defeats his past and paves his way into becoming a true legend in both worlds.