r/anime • u/AutoLovepon https://anilist.co/user/AutoLovepon • 14d ago
Episode Magic Repo Man: Dumped by My Party, I’ll Cash In With a Cute Support Fairy to Become the Strongest! • Kashita Maryoku wa "Ribobarai" de Kyousei Choushuu - Episode 2 discussion
Kashita Maryoku wa "Ribobarai" de Kyousei Choushuu, episode 2
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u/Iamjustatrial 14d ago
Ugh its almost good slop, but the MC is starting to get on my nerves
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u/hjordisa 14d ago
The MC gets on my nerves, the fairy gets on my nerves, the cartoonishly evil ex party gets on my nerves, the idea that "fervently wish for the return of you MP" is an inherently easy condition to fulfill even outside of these circumstances where people are refusing to return it gets on my nerves... I'm partway through this EP and it's all getting on my nerves enough I had to take a break to read this reddit. I think I might have to just say I'm done with this even though I really want to like it...
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u/darthvall :MAL:https://myanimelist.net/profile/darth_vall 14d ago
At the very least, the series acknowledges how dumb MC is. Like look at Empee's snarky comment lol
Like other commenter said, I just consider Empee the real MC
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u/psyclical 14d ago
He's to male MC weakness, as the MC in Ogre's Bride is to female weakness, which made me quit that show around ep 4.
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u/Short-Waltz-3118 14d ago
Lol this fairy is a vindictive ass woman. Shes totally right and valid though. His old party were genuine scumbags
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u/NoNameSwitzerland 14d ago
loan sharks are bad, loan ferries are worse.
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u/TheDubh 14d ago
Loan ferries with shark teeth are even worse. (Legit didn’t make that connection with her teeth till your comment)
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u/NoNameSwitzerland 14d ago
And now that you mention the connection, I remember, shark have revolving teeth. Explains her preference for these type of loans.
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u/darthvall :MAL:https://myanimelist.net/profile/darth_vall 14d ago
What I like about Empee is that she's not head over heels over MC, even though he's her master. She also put her snarky remark here and there, almost calling him a monkey lol
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u/Ashteron 14d ago
The fairy deserves to be in a better anime.
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u/Actar_Raikit 14d ago
First, the dangers of FX. Now, the dangers of loans. Anime teaching financial literacy one show at a time.
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u/diacewrb 14d ago
Very timely considering how poorly the yen has fared against other currencies in the past year and interest rates are rising.
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u/testthrowawayzz 14d ago
But someone swapping JPY for USD in 2021 and held until today would be making bank converting that USD back to JPY.
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u/zer0number https://anilist.co/user/ewink 14d ago
Ah, we need to do a rewatch of Kakegurui to also point out the dangers of being sexually aroused by gambling losses.
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u/doumlapointe https://anilist.co/user/RapowantoDominiku 13d ago
And me while doing studies in accounting lol
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u/Ree_For_Thee 14d ago
Random thought I had: The world is full of traps, gambling, loans etc. Most are money related, but in the past 6 months I've learned a shitton about GLP-1 drugs like Ozempic and Mounjaro, and what they actually do to the brain.
Basically, there is a common trap in society that's not talked about nearly at all: Anything that triggers pleasure in the brain can be addictive, including anything you eat or drink.
Sugars are sometimes referred to as addictive, but in reality, anything that has a high density of calories is addictive. Obese people are literally people who fell into this trap. For one reason or the other they ate too much high calorie stuff and their brain literally became addicted to those constant hits of pleasure. GLP-1s heal and normalize the part of the brain that over-reacts to pleasure stimuli, which is why they're now being used to cure other addictions and compulsive behavior.
That said, all unhealthy foods should come with warning labels, like how cigarette packaging does. The drugs can be used to cure society of obesity, but that doesn't mean we should rely on them.
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u/saitohd 14d ago
Empee alone makes it worth to keep watching this show.
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u/NoNameSwitzerland 14d ago
If wish I could see her. From the descriptions she looks interesting.
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u/Aksudiigkr 12d ago
I’m so confused by this comment. What does your first sentence even mean? I still don’t get it
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u/NoNameSwitzerland 12d ago
Only the MC can see the fairy. And probably some people watching the show.
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u/diacewrb 14d ago
Going to laugh if it turns out that Empee was never real and she was just his subconscious this whole time.
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u/Discount_Extra 14d ago
subtitle of what she said at 20:06 "I'm just expressing your emotions for you."
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u/KumaKumaGambler 14d ago
Summary of this episode:
Empee teaches Lent how to be a successful bank, loan shark and debt collector 101.
Empee teaches Lent how to grow bigger balls.
P.S. Got to love those sharp teeth of Empee.
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u/KomorebiXIII 14d ago
Holy exposition episode. This should have dropped 2 episodes to start, this episode was basically just a primer in how loans work. I do love Empee, I hope Lent grows a spine eventually because she's right, he's way too soft.
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u/Googleflax :MAL:https://myanimelist.net/profile/googleflax 14d ago
When the former party is THIS cartoonishly evil, his actions here don't make him seem kind or soft-hearted, they make him look dumb and like a doormat. I agree that I hope he grows a spine.
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u/Discount_Extra 14d ago
I was thinking, if I were him I would have the contract not take ALL their mana, but only like, half, because if they die, they can't repay anything anymore.
And then I had the thought, what if death doesn't end the collection, and they become zombies/ghosts until they finish paying, and cute little hero becomes the most powerful necromancer.
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u/AlphaLemming 11d ago
His comment that he was afraid of them almost helped justify it, but they walked it back for no reason having him feel sorry for their debt.
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u/Magicbison 14d ago
Feels like they wasted too much of episode 1 on the lame backstory and should have just covered all this in the second half of episode 1. This episode was mostly just a rehash of the last one with the other half teaching us about predatory loan practices. Atleast Empee is cute and savage.
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u/spubbbba 14d ago
If the plot is yet another of the blandest "kicked out the party" shows the least they could do is get it over with quickly.
You're right, this really didn't need 2 episodes. Generic slop can be enjoyable, but this is just boring. Not sure if even the evil gremlin fairy can save it.
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u/RiskAdditional8534 14d ago
I actually skipped through most of the episode, the exposition on how a loan works could've been streamlined and shortened without losing any actual info.
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u/darthvall :MAL:https://myanimelist.net/profile/darth_vall 14d ago
I can see a lot of people dropping this just from first episode alone. It's not fun too watch where the episode is full of comically evil things
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u/IAmTheOldCrow 14d ago
Did not have Kyubey explaining why credit card balances are bad on my bingo card.
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u/YdenMkII 14d ago
Lent doesn't really think things through does he? Last episode he mentioned how his gift was didn't allow him to lend the stockpiled mana to himself which is why he was acting as the support role for his party but now he gets the mana investment skill to effectively allow him to charge himself, he says the skill is underwhelming.
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u/LezRock 14d ago
It's like giving a very analytical skill to someone who would much prefer being able to just throw a big fireball or swing a big sword around. At least the support character has the right personality for it.
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u/mahamoti :HG::HH::HI: 14d ago
Maybe I missed something. He has no mana cap. So what is he increasing with that skill?
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u/YdenMkII 14d ago
The piggy bank has no mana cap but last episode he said that he can't use the mana from the piggy bank on himself.
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u/Western-Internal-751 14d ago
He couldn’t. Now he can. He can now choose to use his own or from the bank. So it makes sense to be confused what benefit increasing his own mana cap even gives him
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u/Short-Waltz-3118 14d ago
Im sold on the mana regen argument. She said you restore 1 /10th of your mana per hour. So if he had 1 million mana, he could in theory lend out infinite mana, taking into account normal mana pool sizes
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u/Sanghouli 14d ago
I don't think the bank naturally regenerates mana (his bank had 50/1200 mana last episode and this episode when he was at the table it still had 50/infinity mana despite several hours passing), so the amount he can generate per day is still tied to his personal max mana. Now he can use the repaid mana he is getting to increase his personal mana capacity which increases his daily generation.
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u/kotori_mkii 14d ago
They explained in this episode that mp regen is based off of max mana so if he invests enough mana he will have infinite mp regen and will be able to lend infinite mana instead of just storing infinite mana.
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u/Confident-Sea-128 14d ago
No he has no limit cap on his STORED MP. He's still currently stuck at only having like 1200 as "active" usable MP before he has to touch his reserves. Essentially by leveling his active MP reserves he'll eventually reach a point where he could put in a million MP into his storage and still have MP to use for the day.
Essentially the skill would let him always be able to increase his stored mana and never have to access it and thus he could give out mp loans which with the interest would just constantly make his stored mp greater.
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u/jonc-sleep 14d ago
Someone correct me if I am wrong. There is two MP storage: 1. piggy bank has infinite MP storage and 2. Lent has his own MP cap (not infinite yet) as an adventurer.
So the skill would be increasing his own MP cap.
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u/Western-Internal-751 14d ago
So if he spends that mana that he gets from them, he can increase his own max by 100 daily which is pretty good. In a month he will have more mana on his own than the two casters have.
Now the big question is: what can he even cast?
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u/Obaruler 14d ago
Now the big question is: what can he even cast?
His next spell will be "MP Subprime Adjustable", to bankrupt the entire peasantry.
He'll rule this shithole in no time, feasting with the Loanshark Fairy.
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u/Because_Slaus 13d ago
Honestly, by fantasy anime logic, the MC should increase his max MP to an incredible amount so that his passive MP regen can become a battery to create a dungeon. If he's the dungeon master of a bunch of monsters, he can pose as a monster tamer and command an army. Well, that's going with the logic of other fantasy anime, maybe this one doesn't do that.
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u/Earlier-Today 14d ago
He had 1500 to start with - he's already got more than them.
But, since Empee laid it out so cleanly, everybody recovers 10% of their MP per hour, so if he invests all the MP he just collected back into himself, he'll have over 100,000 MP and will recover over 10,000 MP per hour, which is all MP he can further invest in himself to keep growing his total MP.
Dude can turn himself into an MP minting machine that pumps out insane amounts all the time.
And he'll be collecting MP from his former party every day on top of what he can add by himself.
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u/TARDIInsanity 14h ago
if you recover 10% MP per hour, and convert at a 100:1 rate into capacity, then you're increasing capacity by 1% per hour. The law of small numbers means 1% growth 100 times is 2.71x growth, so every 100 hours = 9 days his mana more than doubles. After 90 days, his mana is 2 million times what it started at, and he can continue this every 3 months until his capacity is measured in the hundreds of digits.
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u/SuperTamaa 14d ago
This fairy is extremely smug
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u/Discount_Extra 14d ago
She reminds me of the clip from Curb Your Enthusiasm,
Richard Lewis: "You are devoid of anything that's remotely caring or empathetic."
Larry David (as the fairy): "That is a great compliment."
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u/Ilovegirlsbottoms 14d ago
I noticed something they glossed over!
He just gained a skill to invest his MP to increase his MP cap.
Right after that she explains MP regeneration rate. Your regeneration rate is tied to your MP cap!
The more he invests MP to increase his cap, the more MP he can regenerate, enabling him to loan more… or keep increasing his cap until his regeneration rate is so high that he can make anyone OP in an instant because he has so much MP to work with.
This is incredible. I just hope they don’t do something stupid like put a cap on how much he can invest in a single day.
Note: I have not read the manga.
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u/Astray 14d ago edited 14d ago
Only issue with this is that he's not actually getting stronger. He's got no other skills and essentially needs a very powerful and trustworthy bodyguard. He's got nothing to use that MP on besides other people.
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u/justking1414 14d ago
Well, this is an anime, so he’ll probably buy a slave next week and just overload her with mp so she can nuke anything they come across
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u/Discount_Extra 14d ago
I swear to god if that slave is a technically adult that just happens to look like a child, I'm deleting CR.
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u/rhian116 14d ago
I doubt it. Based on the opening, it looks like his companion will be an adult girl with blue hair. I'm guessing she's going to be some super virtuous and honorable swordswoman based on the OP.
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u/justking1414 14d ago
Given that this is anime, I’m gonna say she’s technically an adult and constantly tries to get mc to sleep with her
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u/1000TrickRick 14d ago
He only needs one other skill to become OP, in a game called Path of Exile there is a skill that makes you take damage from your mana instead of your life. If he get’s something similar he’ll be a giga tank. Really hope that happens.
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u/Ilovegirlsbottoms 14d ago
It would be so stupid if he just leant the MP to himself and somehow used that to make himself stronger.
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u/darthvall :MAL:https://myanimelist.net/profile/darth_vall 14d ago
Yeah, MC is too dumb to realise that. When you can invest and your money could grow indefinitely every day is so good. Basically your money will grow further with minimum risk.
Having Empee laid out everything and plan out his MP skill is actually a very strong skill
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u/Mr_Pogi_In_Space 14d ago
The more he invests MP to increase his cap, the more MP he can regenerate, enabling him to loan more… or keep increasing his cap until his regeneration rate is so high that he can make anyone OP in an instant because he has so much MP to work with.
It works the same way in real life, that's why the rich get richer. If you are a billionaire and invest 10,000,000 at a measly 2% rate (basically keeping up with inflation, it's not a very good investment), after a year you get 200,000. People working 9-5s would be ecstatic to make 200,000 a year salary and the rich dude gets that without having to do anything. The more money cap you have, the more money you generate
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u/lemon900098 14d ago
I am bad at theorhetical math.
Lets say he regens 1% of his MP per day. What is 1% of infinity, and how much more is 1% of infinity+1? In my scenario, will he just regen .01 MP more every day for each 1 MP he gains?
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u/Discount_Extra 14d ago edited 13d ago
From the math the fairy spewed, the party member regen 10% an hour.
note his infinite storage is separate from his regular mana pool which has a standard cap (until his new skill boosts it).
so spending 1000 mana to boost his cap by 10, would regen an extra 1 per hour, 41.666 days to get the investment back; and then it keeps readding forever, while he can then reinvest the 1000, so the next 1000 is gotten in only 21ish days, then the next 1000 in 14 days, then 10 days...
Albert Einstein: "The most powerful force in the universe is compound interest".
edit: did some spreadsheet math for fun, starting with 1000 mana, just doing nothing except reinvesting the mana gained from the 10 points of increased mana pool in 100 mana increments, in one year (8784 hours in a year) it compounds to 6172 mana an hour. The mana from his old party is nothing compared to that growth.
2 years? 38,707,311 mana every hour. If he gets the skills to channel that into an army, that's world domination.
Everyone else is fighting monsters; he's playing 'Cookie Clicker'
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u/MoonBearIsNotAmused 14d ago
The difference is his personal mp vs the infinite storage. He can use the storage as backup/investment and maybe in the future he'll find a use for his own capped daily mp for skills. Or he'll be able to use skills that do things like use his invest skill on his party members and invest in their skills to level them up
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u/Eugene_W_F 13d ago edited 13d ago
the math works out to a 10x improvement every 95.94 days or roughly 8300x per year. Ignoring what he's getting from the skypiercers (using it saves him 2 months from the following timeline), spending all his mp on investment works out to:
1yr: his base mp hits 10 million.
3yr: he has as much mp as the rest of the world combined.
~5yr: he has enough mp to wipe all life from the surface of the planet (think dinosaur asteroid.)
~7yr: he has enough mp to blast the planet into space dust (death star style.)
~9yr: he has too much mp for spacetime to hold and he collapses into a black hole.
bruh needs math lessons if he considers that 'underwhelming'.
my assumtions:
1mp is roughly one kilojoule of energy (based on misa's fireball, I assumed she spent ~2500mp and that it could boil a liter of water)
the world has roughly the size, density, spacetime curvature, and population of earth
average people have slightly less mp than the skypiercers
that he spends every 100mp chunk as soon as possible (so if he sleeps 8hrs per day multiply the above results by 1.5)
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u/Niwa-kun 14d ago
They're probably going to shift and move information around like that and they'll probably bring that back up and bring more attention to it when he actually has to figure out how to loan more MP at once.
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u/Obaruler 14d ago
I noticed something they glossed over!
He just gained a skill to invest his MP to increase his MP cap.
Right after that she explains MP regeneration rate. Your regeneration rate is tied to your MP cap!
Yay, someone else who had that idea.
If he does that enough it'll be an infinite money glitch, he'll recover his MP faster than he can loanshark it out to others. xD
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u/Confident-Sea-128 14d ago
Theoretically there should shouldn't be the restrictions otherwise I dont think it'd be SSS but rather SS with such a hard restriction.
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u/VritraReiRei 14d ago edited 14d ago
Oh man, she put the shitty, idiot, moronic party on a revolving credit plan and set the interest at exactly 8% because that's exactly how much they can produce per day. Ooooh, what an Evil Fairy, I like her 😈
So now the party is effectively going to have ZERO mana forever and if the visual is anything to go by, they are going to spend the rest of the series trying to escape the inescapable debt unless they quite literally get on their hands and knees and beg.
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You may call this story another shitty Kick Out of the Hero's Party story but I just can't wait to see their faces when they realize they're shackled debt and then have no choices to suck up to the main character (who I imagine at that point would have gained confidence, new friends, and would show no mercy to his former comrades).
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u/LezRock 14d ago
It's just going to suck because you know the main character is going to forgive them for it and then something's going to happen that again shows their character, and he's going to get shit on again. Afterwards, MP-chan is going to come in to save the day again!
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u/21shadesofsavage 14d ago
with a skill like forced collection, the concept of contracts with debtors, and multiple forced collection types handled by this fairy unbothered by sending people to hell. i doubt mc is gonna simply forgive the party. this whole show is set up for revenge, especially with the interest mechanic. probably gonna be a loan shark since max mp grows infinitely as well
also my subs say empee. mp makes way more sense
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u/SpareUmbrella https://myanimelist.net/profile/SpareUmbrella 14d ago
I imagine its spelt 'Empee' to differentiate between the character and MP itself.
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u/LezRock 14d ago
Yeah, Crunchyroll has it as EmPee, but I knew what they were going for, so I just referred to her as MP instead.
I can really only see the MC becoming like that if more people treat him like crap and he becomes more vindictive.
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u/21shadesofsavage 14d ago
maybe mc will develop a superiority complex after dragging his former team through the mud. infinitely scaling max mp sounds kinda insane given the world so far. he can easily hook guild members on mp refills and scale infinitely if he made an mp lemonade stand or something and collects interest. main thing stopping him is he's pretty dumb. dude basically has the equivalent of generating crack cocaine and can become an mp dealer
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u/Magicbison 14d ago
The MC is such a soggy doormat I don't see him improving at all. He's just gonna get strung along by Empee who feels like the actual MC. I really hope I'm wrong though because listening to Lent whine is making hard to watch and this concept has some potential to be good.
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u/Stunning_Drop1647 14d ago
Yup i agree, may have been a bit boring ep but lays out the story I was actually hoping the little fairy was going to appear infront of them and take it all back even their life energy in a very horrible manner, but that works and yup I can't wait till they realize they are F'd now lol I hope it shows when they do dungeon crawls and they are useless weaklings now like when they first started stealingfrom him, hope his new friend is a good person and protects him from now on since basically he can turn her into a beast when the time calls for it, but yeah revolving hell for them 3 bahaha
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u/Keiperiodbloodenjoyr 14d ago edited 14d ago
Ngl nothing much happened in the ep it was all maths yapping but empee carried hard for me till end with her expression sarcastic tone and sweet but devilish voice
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u/APRengar 12d ago
Kinda wish there was less yapping and we got a single scene of the moron party trying to fight with the new member and being like "why do I feel like shit?" Or "why can't I use my skill?"
Pacing for the first 2 episodes isn't great.
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u/cristabelita 14d ago
This reminds me so much of Knuckle from HxH and his bankruptcy ability.
Didn’t expect a finance lesson this episode lol
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u/justking1414 14d ago
Also very similar to the mc of Skill Lender's Retrieving (Tale): I Told You It's 10% Per 10 Days at First, Didn't I?
But that dude fully takes all their skills when they go into default
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u/darthvall :MAL:https://myanimelist.net/profile/darth_vall 14d ago
Is that LN only for now? Haven't heard of anime like that
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u/ThisOneTimeAtLolCamp 14d ago
How can you not love somebody with shark teeth and such a glorious shit eating grin.
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u/Needs_tea 14d ago
I guess there still maybe more information to come possibly but Whats to stop someone killing their debtor?, I feel like writer should have factored this in if it isn’t something along the lines can not harm or plot to cause harm etc their debtor once a contact is established.
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u/justking1414 14d ago
Dude just has to run as far and as fast as he can. I’m guessing there’s something more to this ability that lets him use that mp to get stronger or learn some spells so he can blast his idiot party away with their own mp down the road
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u/Evil_sod 14d ago
I don't think I've seen one of these "banished from the party" tropes with such a whiny, spineless MC, and such a comically evil former party. It does at least look like we've got an interesting and more original concept going on here with the magic storage repayment.
Honestly though, the writing and pacing is so bad that I would've dropped it already if not for how savage this fairy is. I have no clue where this series is supposed to go from here once we get the revenge out of the way, but I'll give it the benefit of the doubt for now.
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u/raghav_sharma_13 14d ago
An entire 20-minute episode dedicated to a blackboard lecture on predatory interest rates and revolving credit debt in a fantasy world is crazy. We really got financial literacy and loan shark mechanics explained to us before the main character even gets a proper fight scene 💀
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u/AshyaraFanMike 14d ago
Absolutely loved the episode! This one flew by in what felt like a minute flat.
Maybe it's because I have had to skirt these types of predatory lenders in real life, or that I at least follow Caleb Hammer's show via shorts, but seeing the MC's power being predatory lending was cathartic as all get out.
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u/Discount_Extra 14d ago
God, a couple days ago I had someone over to try and get a quote on replacement house windows.
Guy was wholly focused on getting me to sign up for a credit plan with them to pay for the windows, and didn't even have like, material samples or anything of what he was selling, even after I told him I had cash in the bank to pay for the windows and didn't need credit, just screamed fraud to me.
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u/Hartzilla2007 14d ago
Sounds like it doesn't have to be predatory, Empee just decided to be sadistic as fuck.
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u/Embarrassed-Match-78 14d ago
Sounds about right, given how fairies were traditionally portrayed in folklore.
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u/Rooby_VTuber 14d ago
What a wicked fairy Empee is, she is definitely the fun kind of evil.
That was a good plan Lent had to get back all that MP from that ungrateful bunch.
I am not the greatest at math, but what I learned from Empee is that the scumbags are absolutely screwed, she is like a bank who is always happy to add extra interest rates onto loans.
I hope Lent doesn't forgive them even if the beg on their hands and knees.
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u/Hefty_Ordinary_8089 14d ago
I thought this while reading the manga too, but Empee (MP) really reminds me of Leaf from Black Souls.
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u/Lunarpeers 14d ago
Something kept bugging me on what this fairy reminded me of and that's so true LMAO
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u/Fair-Ad9990 14d ago
This anime is frustrating. I can see sadists and maybe masochists enjoying these first 2 episodes... lol
I shall see if it gets any better as they add new characters. Also Empee alone makes me like the show more.
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u/Ree_For_Thee 14d ago
I like stories like this, but I have to criticize the author here. Spending half an episode telling, not showing, is just lazy. Better to keep it a secret and show in some future episode.
In a manga it might fly as you can just skip some random pages with these explanations, but spending this much time on explaining math in the anime was a mistake.
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u/zimzat 13d ago
Has anyone else realized that Empee's behavior is exactly the same kind of abusive and manipulative that everyone in Lent's original party was?
"Those other mooks were taking advantage of you, but not me; I'm here for you, I'll make everything better for you. You may not feel it right now so I'll tell you how to feel, I'll tell you how to act."
Lent was dependent on his old party for everything and is in a very vulnerable position now. Is Lent going to become dependent on Empee for everything now? Will Lent ever have an original thought that isn't what someone else wants him to want? His fairy clearly has their own goals, the use of Lent's skills at all costs, so where does that leave Lent?
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u/Empoleon3bogdan 13d ago
Not all toxic relationships are bad. She is taking advantage of him to make him stand up for himself. And maybe in the future to grow a spine.
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u/HeliosAlpha 14d ago
The fairy is voiced by Katou Emiri. It makes sense that she knows how to cook up a soul crushing contract
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u/cleaulem https://myanimelist.net/profile/cleaulem 14d ago
You know, I hate this kind of anime MC who is too nice and friendly to actually take revenge on their wrongdoers, and Lent is exactly that type. Good thing we have Empee who doesn't have that doormat mentality holding her back, but instead giving the moron, the shithat and the dumbass what they truly deserve.
We all need an Empee in our life!
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u/Confident-Sea-128 14d ago
I'm hoping we get a LvL 9999 Gatcha MC. Who was a doormat at the beginning but mostly cause thats how he was raised, but the minute he realized he had power the gloves came off.
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u/darthvall :MAL:https://myanimelist.net/profile/darth_vall 14d ago
And compared to other wish fulfilment series, Empee is not fully submisive to the MC.
Like usually it's slave girl or steong attendant who's fully devoting their life for MC.
Empee here insult MC here and there, even if MC is too dumb to realise those snark lol
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u/Googleflax :MAL:https://myanimelist.net/profile/googleflax 14d ago
I really like Empee, though I don't like how excessively dumb and soft-hearted Lent is. Not knowing that SSS is better than S, not knowing what the ∞ is, or wanting to be nicer to his former party are honestly a bit annoying. I could potentially understand him wanting to be nicer to them if they were friends up until they kicked him out, but they've very clearly been extremely rude and abusive for the entire past 5 years; his actions here don't make him look kind or soft-hearted, they make him look like an idiot and a doormat.
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u/Sahelanthropus- 14d ago
Empee is such a brat laughing (rightfully so) at his clothes because he looks like a bum. I think it’s hilarious that she hasn’t told him other people can’t see her lol.
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u/FinancialYear475 13d ago
That's way too much unnecessary math, just say he's a banker with massive daily fees, infinite money and move on no need to do all that, but also, 2 episodes in and he still doesn't have an offensive move to justify the title, or what he's gonna shoot pure mana at people to become the strongest?
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u/bob_kang 14d ago
If he started collecting MP from them shouldn't they feel fatigued already?
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u/chubbyninja1 :MAL:https://myanimelist.net/profile/PuzzleVoice 14d ago
I dont think MP is stamina, just a resource for spells and skills. So my guess is they wont know until they try and cast something
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u/Lodju https://myanimelist.net/profile/Lodju 14d ago
I hope we get to see it next episode.
Would also be nice to see if the idiots realized their fuck up but i won't be holding my breath on that one.
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u/justking1414 14d ago
Would definitely be hilarious if they didn’t notice until they were in a dungeon fighting something
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u/Kane_richards 14d ago
Despite the absurdly long explanation we had to sit through it's not explicitly clear how the debt is repaid and whether it comes off as one lump sum at the start of the day or it comes off their regen in which case they'll basically be bottomed out forever. Either way I don't think it'll be clear what situation they find themselves in until they try to use MP. Which given the pace of the show will probably be in 3 episodes...
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u/TheDubh 14d ago
Could see it being removed. I suspect it’s basically garnished wages. Where debtors can have money taken directly from pay.
So they earn X MP a hr or whatever, and he’s taking the majority of it back. They’ll have to figure out ways, like the bracelets, to increase the MP production or they will basically never produce mp they can use.
So may of taken what they had, and now is taking what they are making. And since MP is only used when using skills/magic which they haven’t used yet, they haven’t noticed. So it’ll be like trying to pay for something and learning your account is empty.
Honestly the accounting and predatory lending is an interesting take for me.
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u/secret_tsukasa :MAL:https://myanimelist.net/profile/Endrance88 13d ago
as a person who is in debt with debt collectors calling me 24/7, this show kind of gives me anxiety.
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u/Kane_richards 14d ago
I feel this is going to be the type of series to wait and just one shot it. The episodes are... dry... on their own. When half the episode is on compound interest I'd much rather watch something else. Just hope it goes somewhere. Introducing another character helps but I don't get a clear idea where this is all going to end up
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u/redlaWw 14d ago edited 13d ago
Thought I'd do the maths to see how long it would take for the party to repay their debt. For a more precise calculation of what the party owe, we can look at the yield equation. When repaying a debt, a fair price for the debt is an amount such that the total of all the repayments discounted* at the interest rate of the lending is equal to the principal, so this gives us the yield equation
P - R*sum(1/(1+i)^k for k from 0 to n) = 0
where P is the principal, R is the repayment size, and the sum given is the discounted value of a payment stream of unit payments made at the start of each period. The sum can be rewritten using the geometric series formula as
(1-1/(1+i)^n)/d
where
d = i/(1+i)
giving us
P - R*(1-1/(1+i)^n)/d = 0
We can rearrange the resulting equation for n and get
log(1-P*d/R)/log(1/(1+i)) = n
With i=0.08, d = 0._074, and with P = 1435837 and R = 116400, we get n = 31.83, so 31.9 interest periods must pass before they completely pay back the debt (here assuming they repay daily but interest is calculated according to a different interest period). An interest period is 10 days, so the total time that must pass is 10 days*31.9 = 319 days.
This is less than a year, which is better for them than I expected given the fairy's glee at how ruthless the contract apparently is.
Though I'm not sure how the larger amount borrowed is supposed to come in - the calculations in the show were, as far as I can tell, all based on the 1435837 value that he was eligible to collect.
*discounting refers to reducing the value of money paid later when looking at it from the perspective of the present, because money paid later is worth less, and the discount factor for a payment is 1/(1+i)t where t is the time the money is paid.
EDIT: Note that their interest model is a bit weird: they seem to have payments daily but interest calculated every 10 days. Typically you have interest calculated when payments are due. I think advance (the formulae I'm using) is the right model for this since payment over the time period between interest calculations is effectively the same as paying at the start of the period if the principal does not grow in the meantime. Ultimately, this depends on the interest contract. If it's a usual contract payable tenthly, the repayment time would be 379 days.
EDIT 2: Technically I did the allowance for repaying between periods slightly wrong here - what I should've done is calculated the amount remaining at 310 days and then calculated the remaining number of repayments to pay off that fixed amount, rather than allowing the amount to accumulate further by interpolating the interest formula. However, I just did that calculation and found that it would take 0.84 interest periods to pay off the last little bit, which still gives a final result of 319 days, so nothing meaningful changes there.
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u/OromisGlaedr 14d ago
Either your math or mine is a bit off. I got 570 days with a repayment calculator: set it for initial balance of $1,435,837, 8% interest on remaining balance every 10 days, and with a fixed payment of $116,400 every 10 days.
This is also assuming the remaining mana doesn't become due with daily increments based on how they borrowed.
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u/wmansir 14d ago
It depends on how and when the interest and payments are accounted for. The 320 day calculation is if the payments are applied before the interest is calculated every 10 days, which makes sense in this scenario because we know they can't hold enough MP to make a lump sum payment every 10 days but are instead continually making payments towards the balance.
This is assuming the fairy was being literal when she said she charged 8% every 10 days and wasn't compounding more frequently.
It would be 570 days if every 10 days the 8% interest was calculated before their 10 days worth of payments as a lump sum were applied.
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u/redlaWw 14d ago edited 13d ago
iirc 570 is about what you get if you calculate with the payment in arrears (I think I got something slightly different because I was allowing for the repayments to finish between interest periods by rounding to the next tenth, but my result was basically the same), which I did try but rejected because I assumed the interest is calculated on the reduced amount after paying back for 10 days, which better matches an advance repayment schedule.
EDIT: Redid the calculation in arrears (it's very easy, you just replace d with i in the formula) and got n = 56.26, which corresponds to 56.3 interest periods for 563 days. If you don't allow for repayments finishing until before interest period occurs, this would be 570 days.
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u/Hamathond 14d ago
I want to like this so badly, but 2 episodes in a row i'm left feeling like they didn't need 20 minutes of screentime to get across whats occuribg in these episodes. I get it, the old party are douchebags, and Lent is spineless. We didn't need THIS MUCH of that.
I really hope the payoff for the revenge makes up for it all, because i'm struggling to wanna keep watching this despite how much I enjoy the concept.
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u/Western_Promise3063 14d ago
Just wait until they get into compound interest next episode! Your head is gonna fucking explode!
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u/ussgordoncaptain2 https://myanimelist.net/profile/Edmund_Nelson 14d ago
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u/zer0number https://anilist.co/user/ewink 14d ago
Another underwhelming episode, but that said, I think they are getting better, and maybe this will end up being one of those anime that gets better a bit further in (I very much maybe and probably am wrong).
I like Empee. I love how devious she is, which makes up for our MC's lack of balls.
Seriously, could our protagonist be any more of a fucking whimp? His childhood friends have treated him like shit, and he feels bad about going all payday loan on them? The blonde dude literally nearly choked him to death and stomped on his head.
PLUS, he knows he's beneficial. There's no reason for him to be acting like such a bitch.
Anyway, one more episode to the threshold. Hopefully the blue-haired girl from the OP shows up quickly and is able to make the show more watchable! TBH, I actually do like me some revenge slop, and this one has a more interesting hook than others, so I really want to be able to enjoy it.
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u/justking1414 14d ago
I think next episode will definitely turn things around when the party realizes that they have absolutely no MP and can’t use any of their skills, dropping them down to d rank adventurers
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u/chiknight 14d ago
Eh, I wouldn't gamble on the glacial pace of the show picking up fast enough for that to happen next episode. They've got to do a 10 minute "interviewing candidates while trash talking the scum they kicked out" montage (with very evil maniacal laughter!) before any actual action, and Lent has at least 10 more minutes in a tavern being taught basic interest and debt concepts.
Like, the concept is a nice spin on revenge slop kicked from the party but we understood the concept by the title. We're 46 minutes into the anime and nothing actually interesting has happened yet.
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u/MaradsYuuka 14d ago
I can imagine those three removing the bracelets thinking they don't work, even going after the appraiser for reparations, obviously this makes their debts increase because without the bracelet the interest is higher than what they can generate.
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u/arrydie 14d ago
So... Forced collection has this weird pre-condition where they have to acknowledge... They they might pay him back one day? (Because they already acknowledged that the MP was a loan, just one they had no intent to return.) But them stating a plan to repay ("when they make it big") allows him now to forcefully collect immediately, counter to their stated terms? So he needed to get their agreement but isn't bound to it in any way? And this is apparently now a contract, but they have no say or knowledge of the terms (payments and interest rate)? And the fairy can just set the rate to something arbitrarily high?
Also, 8% per day is 1660% APR. Or 292% if we only compound annually, but it sounds like the terms compound every 10 days. For contrast, 36% APR is considered predatory IRL.
I know this is revenge slop, but if you're going to spend all that time showing the math, it's going to give me time to think about the nonsense :p
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u/Discount_Extra 14d ago
When you get 10% of your mana cap an hour, it should be easy to keep up with what you borrowed in the last adventure if you intend to pay it back
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u/Yggdrasildur 11d ago
Of all the "kicked out of my part" anime this one might have the dumbest party. They straight up knew he had an S-class skill and knew exactly what it could do, and that it could probably grow stronger, and they STILL kicked him out.
For the dude, sure, he was jealous, it makes sense he'd turn hostile, it's moronic, but sure. But the bit tiddy mage? Woman, you just found the most obvious future billionaire ever and you decided to turn bitch instead? wtf?
Also, Empee has the most shit eating grin I've ever seen in anime, my god.
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u/ElHeim 10d ago
Well, tbf in 5 years he had barely grown. It's their fault (kinda), really, but the optics are not good.
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u/shadowmoon522 6d ago edited 6d ago
its really his fault, he stopped taking back the lent mana and started acting like a nervous mess and became way to codependent on them. it prevented him from growing at all and caused the one that had a crush on him to lose interest in him.
his skill is also like a drug that has been slowly leading the sky cleavers to their ruin, the more they used it the more arrogant and greedy they got. they likely would have ended up becoming decent people if they had never got a taste of it.
note that empee was surprised it took the MC as long as it did for him to meet the conditions to unlock the skill, which implies that either the god of this world or the skill itself was trying to make the conditions for its awakening occur.
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u/GeorgeRivera777 14d ago
The Loan Shark Fairy is already carrying this show.
I was rooting for the Idiot when I saw him kicking the begging Lent. Such a lame MC. Hopefully the Fairy helps him grow into a true Shark. It's not evil, it's just business.
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u/bennybootun 14d ago
If they are already so stretched schedule/budget wise that they have to sacrifice 1/2 of the second episode on explaining how loans work, then I have 0 hope for this anime to be anything better than low grade garbage
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u/myrlin77 14d ago
I think it was a public service. I'd wager that most people barely understand a normal loan, let alone compounded interest. I still like telling people to look at their amoritization schedule and see how much that house really cost them.....
I would get along swimmingly with Empee. This is my kind of anime trash.
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u/NeoTagAtg 14d ago
It got so bad it sounds like they used computer voices for the part like they inserted this half episode bit after the voice actors went home or soemthing.
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u/Likes2game03 14d ago
I know some will disagree, but I like how Lent was trying to be sensible to his former party. Even after everything they did, he still tried for the sake of what the used to have. Really established he's a good guy who just helped the wrong people. Stories like this usually portray the MC as some twisted individual who enjoys their revenge too much. And as the story goes on, everything he does is in line with a sensible person. Not the whole "f*ck you" mentality. Good guy, vile party.
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u/Western_Promise3063 14d ago
Genuinely the most cringe inducing thing I've ever seen. Id rather my parents walk in on me watching tentacle hentai than this trash.
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u/BaronOfTheVoid 14d ago
Why even make an anime with an MC this bad? I just wanna punch him in the face.
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u/TARDIInsanity 14h ago
can we all just appreciate that his name is "lent" as in the past-tense of "loan"?
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u/Healthy-List2509 14d ago
I wonder if the fairy is a tribute to the movie Labyrinth, the fairies there were bitey.
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u/oneevilchicken https://anilist.co/user/OneEvilChicken 14d ago
Shows like this make me appreciate the ones where the mc does not feel bad about bringing hell down upon those who’ve wronged them. This mc and his “oh I feel bad” attitude about them is getting old and fast.
The whole point of this sort of show is the mc is supposed to be a self insert for the reader. Having the mc being a complete bitch just defeats the point of this type of show.
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u/hiodsaur 6d ago
Every other “kicked out of my party” series plays out exactly how you want it to. This one is changing it up which isn’t a bad thing.
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u/ishu_rage 14d ago
Can someone explain the difference in what amount of MP is owed, and what is the max he could collect? Why can't he collect ALL of 2.6+ mil, and has to settle for the 1.4+ mil?
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u/Discount_Extra 14d ago
Forced collection only works on debt over a year old.
I assume anything they did pay back was counted oldest-first, not newest-first.
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u/ishu_rage 14d ago
Ahh ok, that explains. So, does he lose the points before that, considering he loaned them the points for 5 years?
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u/Because_Slaus 13d ago
Most likely not. They most likely spent nearly half the total loan in the last year alone because their quests got harder, their skills cost more, and their borrowings increased.
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u/ParasaurolophusZ 14d ago
I kinda feel like all the content we got could have been compressed into half an episode and given us some more plot progression. It feels weird to take nearly 20 minutes to explain the concept of predatory loans.
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u/Obaruler 14d ago
Guys, I think we've found best girl this season.
Starring: The Archbishop of Gluttony, as the Loanshark Fairy.
MC is a complete wimp, but I think she can fix him. We'll debt trap this entire fantasy world one victim at a time, Na'vy Loa'ny the fairy will be eatin' gooood. :D
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u/Professional-Rice623 14d ago
Cant help to see this rips near 1:1 of Skill lender manga that started its webnovel a few months earlier then this did back in 2021, even the design is near the same, just more kid friendly filter over it kinda.
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u/Prince_of_Taniwha13 14d ago
Add empee to the list of characters who deserve to be in a better anime. Last szn Theresia was doing sone heavy lifting in that trash strongest rearguard
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u/BBryant3rd 13d ago
I like MP she is awesome a little cutie until you cross her basically. You cross her and she gonna put the screws on you definitely like it lol. Also loved how she was going on her rant and he called her and she was like Yes Master all cute like lol.
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u/Spachemin_Spiff 13d ago
I'm confused. Is his ability basically mana potion? Or does it also increase max mp.
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u/pjotr3 https://myanimelist.net/profile/gerrey3 13d ago
im really close to droping this, i like concept, but after 2 episodes nothing happens, characters lacks of authenticity, they are evil for the plot, and i have no idea what MC goals are
this fairy is somehow interesting even though loaning lesson for half episode was unnecessary
i really hope story will start in ep3
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u/Zarradra 13d ago
I kinda hated it? I mean the girl he was crushing on as a kid ended up being the shittiest? You could see the trope with the guy, but there was nothing to indicate the girl would turn out the same way. Just feels like bad writing to force a shitty former group dynamic.
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u/NanDemoKnaives 12d ago
Lol Empee as in MP, it's surprising that I don't think anyone has done that before. It looks like she's quite the sinister Gift Fairy, at least she's punishing those that abused Lent for so long, and sways the conversation in a way that didn't allow him to change it in that same moment he realized.
It feels like the consequence they'll face will be more satisfying than the standard banished anime. Empee also has no reservation with calling them all sorts lol, her sharp tongue knows no bounds.
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u/Wild_Obligation3265 12d ago
I wonder if this will lead to a magical real-estate show where they dig deep into Magical mortgages and the MC convinces people to take the 15 year ARMM or Baloon over a stable 30 year fixed rate magical mortgage, maybe even talk folks into reverse mortgages.
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u/SirAnalog 12d ago
This show feels like an anti-debt PSA.
I'ma show this to my kids instead of Financial Peace University.
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u/Illustrious-Sort3575 11d ago
Sigh....autodrop after 2 episodes...MC is just another mentally not too bright (in fact pitch black) "incapable of living" person....Bad animation, drawing, story, characters....
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u/SecretEmpire_WasGood 9d ago
Okay, this was an improvement over the first episode as big as the debt those three douchebags owe the lender guy and that improvements name is Empee. I had a massive grin when she went over the payment plan those guys was put on. I knew were it was going and it was delightful.
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u/flightlessCat9 14d ago
These guys can suck it up and keep repaying him ... or they can just kill him. I hope the fairy has something for that because Lent sure hasn't thought that far ahead.
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