Life Simulation: I Caused the Female Sword Immortal to Regret Forever - Chapter 15:

Imagine a system that would let you create any skill you could imagine. Being the best at whatever you dreamt of becoming.Felix, who thought his whole life would remain average and ordinary despite hating it gets an unescapable chance to encounter the Legendary Truck-kun. Knowing it was a chance to change his life, which was a repeat of struggle every day, he happily accepted his ticket to Isekai.Waking up in the body of a wounded boy in a fantasy world, the boy finds out that his fate seems miserable. After nearly experiencing something worse than death, he finally awakens the Great Skill Creation System.Creating skill after skill that lets him achieve his goal, Felix treads upon the darkest of secrets and conquers a myriad of worlds with his trustful comrades. Watch how he changes the fates of everyone and the universe on his mystical journey.

This world is not reality, nor am I the protagonist.

Because of his master’s wine, he had somehow become the husband of a cold CEO — I’m still a virgin, please be gentle. He was from an ancient sect and had both Buddhism and Dao cultivation methods. The youth Qin Wu stepped out of the great mountain once again, stirring up the winds and clouds in the city.

- 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.