MTL - The Fallen Merman - Chapter 191

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.

Being sucked into a fantasy world that nobody leaves doesn't sound half bad to Cain. He was a high school dropout with a drinking problem, living off disability due to his poor health, so it's not like he had much to lose except a few faithful friends he didn't talk to enough.

After a long night of drinking, Cain wakes up looking at what he believes to be the character creation screen of one of his beloved virtual reality games, but with no recollection of having purchased it. His unwitting choice to use the Random Character Creation option, unaware that the choice would be irreversible, sends him into this new world as a Puppet Master, a Summoning based class nobody else in the starting zone has ever heard of.

But as he soon realizes, this is no game, him and hundreds of others have been brought to another world with no instructions, no clear goals and no way home. It's a second chance to live a good life, but what will Cain be able to make of it?

He was confused, so he asked, “I have a car, a house, good-looks and money. What am I lacking in?”