I am the Monarch - Chapter 28 : Merits awards (2)

The protagonist, having degenerated into a “loser” after being unable to find employment, gets caught up in someone else’s attempt to commit suicide-by-train and ends up traveling to another world. The numerous cheat powers he demands from God are all granted to him. But contrary to expectations, these powers bring about disastrous consequences for the protagonist.

Having reincarnated into another world, the optimistic protagonist (Yuuri) starts his(her) heart-warming training days with his(her) teacher.

Join the story of five new gods and their creation, as they try and navigate and understand the universe while making sure their own world is safe from any outside danger.

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Several hundred thousand players are trapped in a gritty zombie apocalypse survival game just after game launch. There are hints that deaths in the game might be serving some other terrible purpose in the background of reality…

The main character, Liu Gan, is a quadruple amputee in real life. A quirk in the server code recognized his prosthetic limbs as ‘real limbs’ in game, giving him ‘normal’ arms and legs that nonetheless have the strength and power of steel limbs, and thus far more power than a normal player. With this minor cheat helping him survive the early stages of the game, Liu Gan sets out to find out what exactly is going on, and to endure as long as he can.

- Description from Novelupdates

Unique skill ‘creditor’ which can bet with its debtors on the unpaid debts.

And the ability to take skills and stats!

Kang Yoo-sik’s chance to start a new life at the Hunter Military Academy.