An anime plot in which the protagonist, kicked out of his party, starts forcibly reclaiming the magic power (MP) he had lent his former companions through a high-interest “revolving payment” scheme has become a hot topic on 5ch. Posts kept pouring in about how brutally the companions did an about-face and how the revolving-payment mechanic ties into the story, alongside comments drawing on real-life experience with the dangers of credit card revolving payment. At the same time, some argued the real reason the protagonist failed to grow stronger over five years wasn’t the system itself but his own lack of effort, leaving opinion split.
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Source: revo-anime.com / Original article here
Shingo Iijima (Manga) / Masakichi (Original Story)
Director: Takahiro Tamano
Series Composition: Ryusuke Mori
Character Design: Kazue Mori
Color Design: Haruko Nobori
Art Director: Kazuhiro Arai
Director of Photography: Yohei Konishi
Editing: Masaki Sakamoto
Sound Director: Keiko Uragami
Music: Yuki Otani
Animation Production: SynergySP
◆Cast
Rent: Reiji Kawashima
Mp: Emiri Kato
Guy: Daiki Hamano
Misa: Akira Sekine
Eru: Yu Kobayashi
You only pay the interest — the principal never goes down at all.
And since they don't know (or won't admit) that the protagonist picked up a special power and became someone they can't match, they just keep digging themselves deeper into the hole.
I thought the same thing at first. So with revolving payment, does he not realize he could just pay it all back in one lump sum and ends up stuck paying little by little basically forever? Or did he know, but had borrowed so much he couldn't pay it off in one go?
My guess: if they don't pay back the Magic Points they borrowed, their naturally-regenerating MP gets automatically siphoned off at high interest straight into that pig's piggy bank.
So that rotten party has to keep paying high-interest Magic Points until the debt's cleared. And during that time, they probably can't even use that MP-recovery bracelet they just got their hands on either.
Going by the OP, it looks like he's getting stronger too. My guess is Mp will explain a bunch of stuff next episode.
Like, say someone's nice to you right after you join a company, but once they decide you're useless, their attitude gradually changes too, right? I'm actually working pretty hard behind the scenes, you know…
Re: #44
That's the whole appeal — I want her to suffer.
He probably doesn't have enough magic power to lend out to that many people anyway.
There's no going back to those childhood-friend days now lol. Either she falls into slavery or gets tossed out like trash (though he'll make sure to collect every bit she borrowed, lol).
In Infinite Gacha the protagonist genuinely almost got killed, but revolving payment probably won't go that far — here he just got cursed out and fled.
Guess it's possible every use of the Gift debuffed her mentally a bit, and that's how she ended up like that…
So honestly, I don't think the cause of his stunted growth is the magic not being returned — it looks more like plain lack of effort, since for five years all he did in the back line was regenerate MP and nothing else. The fact that those three look down on and despise the protagonist that much has to be at least partly his own fault too.
Those idiots are too dumb — whenever it came to actually paying it back they just went "la la la, can't hear you."
Re: #72
He was too timid to actually go collect the debt. If the protagonist had been Riki Takeuchi (a tough-guy actor known for yakuza roles), this never would've happened.
Re: #81
With a normal credit loan the interest rate itself doesn't really change much — the real trick of revolving payment is deliberately keeping your monthly payment low so they can squeeze more total payment out of you over time. Once the balance climbs past a certain point, your monthly payment might not even cover the added interest, so the balance can keep growing anyway — meaning if you're already barely scraping by on a revolving plan, eventual financial collapse becomes a real possibility.
https://imgur.com/a/bwIKH2x
Guy has to pay back more MP than he borrowed, so this is an anime where he'll keep paying back more than the bracelet's 1000 MP plus his natural MP regen combined, going forward. Let's all enjoy a lovely revolving-payment life together too, shall we?
Also, the swordsman guy used to have black hair — when did he go blond lol
Probably dyed it to match his gear when he got new armor.
I get that. I never expected the Numanimation slot to run something this crappy in both animation and content — I figured it was the kind of slot that aired stuff like the "Shoshimin" series. Well, I'll keep watching it for a while as a so-bad-it's-good anime anyway.
Oh, really. I'd heard "revolving payment is scary, never do it" before, but I didn't know the detailed mechanics. But then again, something feels off about those party members who haven't paid back a single bit this whole time.
Of course they do. Once you're signed up, it's the ultimate system to squeeze you for life. Capping your payment amount while letting the interest balloon forever — what devil came up with that…
Background and Key Points of This Discussion
Revolving payment lets you keep your monthly payment amount fixed, but in exchange the balance is slow to shrink and the interest burden tends to drag on for a long time — credit card companies are said to push it heavily because of how profitable it is for them. Drawing on that real-world reputation, posters in the thread interpreted the anime’s setup as “the borrower doesn’t realize he could pay it all off in one lump sum, so he ends up paying little by little instead,” though how much of that mechanism was actually spelled out on-screen is unclear, and some posts amount to little more than speculation. Opinion was split over why the protagonist barely grew stronger over five years, with some blaming his companions’ malice and others chalking it up to his own lack of effort. Several commenters also noted a sense of déjà vu toward the familiar “kicked out of the party” / isekai-web-novel template, drawing comparisons to other works in the same genre.
*This article was compiled as an excerpt and summary of the 5ch (Anime) thread “Lent-Out Magic Power Gets Forcibly Collected via [Revolving Payment] 1.”
