MTL - Honkai Q&A, Starting with Kiana - Chapter 327

Born into a unique world where villages fight to gain power and control, the main character, Shi Hao, is a genius blessed by the heavens born under the poorest of conditions. His clan, however, has a mysterious past. To rise up and become the genius he is meant to be, the clan goes through every effort to aid his cultivation as they battle through fanatical monsters and engage in power struggles with other clans. His journey will bring him through unknown lands until he is able to become a person that can truly shake the world.

A good-for-nothing man married a beautiful girl but was kicked off the bed on the wedding night. Furiously, he wrote a bill of divorce and ran away.
He was schemed a car accident in which he nearly lost his life. However, it turned out to be a blessing. He swallowed the soul that passed through the outer world, thus obtained superb medical skills and martial arts.
Later on, with the silver needles and invincible martial arts, he embarked on the road of counterattacks and was committed to his great dreams.

- 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.

【National Martial Arts】【Attributes】There are rumors that ancient Taoist priests could leap over mountain ravines in a single step,There are rumors that ancient generals could crush bronze and iron with one hand.There are rumors that ancient monks could cross the Yangtze River with a single reed,There are rumors that ancient travelers could let out a howl like thunder.Striking a person is like hanging a picture, the strike sounds sharp and crackling,Practicing qi gathers in the Dantian, crossing the river just knee-deep.With the help of the attributes panel, Wang Longhu explored and embarked on the path of martial arts through diligent practice.“Today, I am the number one in the world.”