MTL - The Rebirth of the Financial Hegemon - ~ please explain

Never underestimate the guy who has so much Mana it should kill him...Nathaniel's bus ride was supposed to be just another boring commute. But now, he, 23 fellow passengers, and a corgi named Biscuit are stuck in a “Hell difficulty” tutorial, battling monsters and leveling up.Easy difficulty, anyone can handle. Normal difficulty, you've got to put up a fight to get by. Hard difficulty is where only the tough ones last. And Hell? That's where you have to be a bit out of your mind!With his terrifying talent for mana manipulation, Nathaniel decides to invest every stat point into mana. Attribute imbalance be damned. It will either kill him before the monsters and his enemies can, or turn him into one of the most powerful beings within the system.

Check out my latest novel: Beyond the Bloodline.◇　◇　◇For billions of years, the gods have stood atop most universes, some being benevolent, while others being malevolent.Suddenly, there was a prophecy.One that foretold the birth of a certain being.The child of a god, born to put an end to the gods.Would the gods really let such a being exist in peace?Obviously Not.Would that being really let the gods mess up his life without retaliation?Definitely Not.This is a telling of that being’s story, as he rises up to fight against the gods who wish to end him, and as he discovers the other powerful entities and horrors that lurk in the vast cosmos.◇　◇　◇WARNING: THE EARLIER CHAPTERS OF THIS STORY ARE CURRENTLY BEING REWRITTENCheck out my other stories from my profile; ' Reincarnated Hero System' & 'Beyond the Bloodline'.

The most awesome thing that the timid and shy Wen Zhichu did in his life was to save two elementary school students who were crossing the road recklessly. For the first time in his life, he had successfully tried to show his bravery. In the process, he also successfully died.

When he woke up again, he found that he had transmigrated into the book as a cannon fodder villain who repeatedly kept making trouble for the protagonist, and finally because of offending the protagonist, he was forced to sleep on the streets.

Since he was a child, his mother had told him that his body was delicate.

Wen Zhichu, who couldn’t sleep on the street: !!!!!

Just when Wen Zhichu planned to not participate in the plot at all, he was accidentally bound to a villain system. If he didn’t make trouble for the protagonist according to the original plot, his money would be deducted, and he will have to go to sleep on the streets earlier than in the original novel.

Wen Zhichu: -smile-

Wen Zhichu was forced to follow the path of the villain, and every time he saw the protagonist’s strong body, his calf trembled. The protagonist’s single punch looked like it was enough to kill two Wen Zhichus.

Villain’s Mission: Destroy the protagonist’s lunch.

- Description from Novelupdates

This is an era of national miracles and national adventures.

A gray fog swept the world.

Ghosts, ghosts, ancient gods, extraordinary races, etc., are all over the gray fog.

There are dangers and miracles.

Some items and even creatures invaded by the power of gray fog are called miracles.

Some miracle items can generate ore every day, which is inexhaustible.

Some miracle items can make people stronger even if they lie still every day.

And some, it is possible to create extraordinary warriors in batches.

Bai Ye came through, with a golden finger that could see all the prompts, and got a fire source at the beginning…

- Description from novelbuddy