Toaru Majutsu no Index - Volume 15, Epilogue: The Victory Prize for Those who Survived. Nano_Size_Data.

When Viscount Ascham’s House’s eldest daughter, Adele von Ascham, became 10 years old, she remembered everything with an intense headache.

Have you ever thought about cheating in real life?That’s exactly what happened to Eryke—one fateful day, while lazing on the couch, his life changed forever.Because he Awakened the SSS-Rank Clone Talent and everything became possible.From Dragon King to Telekinetic Grandmaster, from Heavenly Demon to Jiangshi King to Martial Lord, Book Taming!?...Eryke didn’t just gain power; he became the power itself.With titles stacking like second nature, the world became his playground.“With this broken cheat in my hands, anything is possible!”

Jin, a hardcore gamer who still lives with his mom at the age of 24. He could never hold down a steady job since graduating, his girlfriend since high school dumped him for his best friend and he's constantly getting beat up by a group of local gang members. His dad left him and his mom when he became rich from the lottery and got a new family, one free of debt and burdens as he called it. His mom works 3 jobs to keep everything from falling apart, except for herself slowly. One day on his way home with the very first and new fully immersive VRMMORPG called Realm of Myths and Legends or RML for short, he died from a hit and run car accident. RML was advertised as the worlds first fully immersive VRMMORPG, allowing for players with skill sets in the real world, like sword training, martial arts, archery or reaction time, to benefit in the game itself! Though Jin died and at that moment a soul from another world crossed over into his body and inherited his memories. The man known as Izroth once hailed as the greatest cultivator in the seven realms, soul reincarnates into the modern world year 20xx in the body of Jin.

Xiao Ze, who was dedicated to the people and vowed to become a generation of Ming Jun, accidentally fell on a little lady.
The little lady was born beautiful and lovable.
So Xiao Ze accepted his life and got the name of fear.

ps:
①The male protagonist has no concubine, and he is dedicated to serving the country.

- Description from novelbuddy