What's the point of cultivating immortality if you have no money?

How could I not want revenge?" The old man patted the youth's head and sighed, "Good child, let me pass some cultivation to you." The youth exclaimed in shock, "Senior! How can you do that?" The old man reached out his hand: "Give me your phone." Watching the changes on his phone, the youth said in astonishment, "Senior! Where did this hundred years of cultivation come from?" The old man smiled faintly, "Good child, this is your backup cultivation in the Heavenly Court. You can draw from it whenever you need it in an emergency. Don't let yourself be humiliated again." The youth frowned, "Isn't this a mana loan? I'm afraid..." The old man: "The Heavenly Court is a major platform. New users get 30 days of interest-free period on a hundred-year cultivation loan. The daily interest is as low as half a day's worth of cultivation—even less than what you gain from a single breathing cycle." ... Zhang Yu let out a cold snort and closed the advertisement.