"Furthermore, remember, Dragon Phoenix Auction House isn't any normal Auction House, they have a powerful backer. Not only that, they have a reputation to uphold, and part of that reputation is their ability to manage risks that would cripple others. If someone needs to take out a loan, the Auction House has methods of recovering their losses, whether it's through seizing assets, or other less savory means. In the end, they have received and will continue to receive what they are owed."
Hearing this, Lucian furrowed his brows, "Why don't they make the people who want to take out loans sign a Soul Contract… even a Blood Contract would do."
"It is true the Dragon Phoenix Auction House is powerful, but Mages, especially, the more powerful ones are arrogant, they don't like being forced to sign Soul or Blood Contracts. The feeling of being tied down isn't liked by many." James said then continued while turning to Lucian, "I'm sure Senior must know what I mean."
