MTL - The Divine Martial Stars - ~ 38, everyone who is doing is garbage

Li Rui had lived to to seventy without any cheat or golden finger. Looking back on his life, he had gained nothing and accomplished nothing. Just as he’s been worn down by the years and resigned to his fate, he unexpectedly awakened the Perfect Life System.“Come on, tell me, how is a seventy-year-old man who’s about to kick the bucket supposed to live a perfect life?!”【You are born with the Martial Bone, and from the moment of your birth, you are destined to become the world’s number one. You gain the talent – Martial Bone.】【At the age of ten, you join a renowned sect and shine in the sect’s grand tournament, gaining fame and attracting the attention of an immortal teacher. You acquire the talent – Divine Skill Mastery.】Looking at 【Gains the favor of an immortal maiden, becoming a divine couple】, he fell silent.“Seventy years old is just the right age to start doing things!”…Many years later.Li Rui finally emerges with the supreme innate Dao fetus, slaying ten thousand demons, breaking ten thousand evils, and ruling over the immortal realm for a hundred thousand years. He is hailed by the world as the Evergreen Immortal Venerable.

Time travelling from the majestic era after the Recuperation of Reiki, he became Kimura Kazuki, a 16-year-old high school student in Japan, one year before the Reiki Recuperation.

Tentatively, he set out to hone himself to the bone, burning candles at both ends to stockpile resources in preparation for the imminent Recuperation of Reiki. His goal was to be many steps ahead of all humanity when the time comes.

However, it seemed like fate had decided to play a cruel trick on him.

One year later, the Recuperation of Reiki… did not happen as expected.

- Description from Novelupdates

Li Xiandao obtained the ancient Bank of the Universe but now the bank was totally empty and had no treasures at all. The only thing it had were a bunch of debts.