He didn't mention his guess to Jim, though. He continued to listen as Jim rambled on about the importance of merit points.
Jim's eyes were glowing as he said, "If I had a lot of merit points, not only would I be able to pay off my awakening debt in this life, but I could also use them to pay for reincarnation insurance, so that when I die, the sect will send someone to find me once I'm reborn and reach a certain age."
"That person will bring me to the sect and make sure that I awaken and become a cultivator. Then the sect will give me back all of my contribution points from my last life. So even though I won't have any memories of my last life, I won't have to waste time in ignorance and will be able to rejoin the sect and continue my journey to the top."
These words made Loki exclaim, saying, "Wow. No wonder you want merit points so much."
