Every ability requires practical combat testing to prove its strength.
The spirit ghost produced with two gold coins plus one hundred life-points had already proven its practical value.
Interestingly, it was Big Cat who was most intrigued by Lu Ping'an's new ability.
"That's your first derivative ability from your main path, theoretically your core ability, and your investments are never about charity. As a 'bank,' you provide others with 'funds' only to fatten the lambs before the harvest..."
Since the bank itself cannot perform the harvest, that's where the 'Lender' comes in.
And mere 'debt' is meaningless, so there must be a production system (Beast Taming Path) that turns 'debt' into 'assets' and 'power.'"
This logic and chain excited Big Cat; it was a more elegant, yet more effective 'harvest of life' than her 'plundering'...