Naruto: I'm Nine-Tails and My Host is Kushina - Chapter 88 : Sand Shinobi: In Poor , But I’m Fierce

Luis, a poor 17-year-old boy, tries his luck at becoming an Awakener to change his fate. However, his dreams are shattered when he fails to awaken a Special Spirit and is instead saddled with a 5 million dollar debt by their planet's colonizers, the Flying Star Empire.His life seemed doomed—until a mysterious system suddenly appeared in his head: The Monster Transformation System. It gave him the power to transform into any monster or animal he had ever seen.From a cat to an eagle, even a horse, Luis begins to understand that his power may not come from Spirit... but from the ability to become any monster.

In a tyrannical world, what is evil? What is benevolence? All living creatures are brutal. Passing through the heaven road to find one’s purpose in life. Struggles to be stronger is not an easy path. The whole journey thistles and thorns, one blade chops open a path, I alone will be supreme!

- Description from Novelupdates

Liu Man transmigrated from thousands of years ago to the modern world. Before she transmigrated, she was completely broke. After she transmigrated, she was still worrying about her wealth. And so, for her to survive, she decided to start earning money by becoming a cyber star: trading and selling products, taking photos of her kittens, and showing off bits of her skills. One day she realized, that unconsciously, she had become one of the most famous celebrities.

- Description from Novelupdates

In the future timeline, Humankind had developed things that brought a revolution to the world. But their best invention was fully immersive VR games that became more and more advanced as time passed. They could create new worlds— in virtual reality, that was more beautiful and profound than the real world they lived in.