

Trevor Hatfield, a broke college student, is pushed to death by loan sharks during the arrival of a strange apocalypse. But he wakes up again—at the very start of it all. This time, he has an unlimited cashback system. The more he borrows, the more he earns back. Armed with memories and a broken past, he turns eerie businesses and deadly opportunities into profit, building power in a world gone wrong. This time, he won’t just survive—he’ll own the apocalypse.

Ordinary young man Luke Myers transmigrates to an apocalyptic world overrun by supernatural creatures called horrors. However, he discovers that when others see horrifying, blood-soaked S-rank malevolent spirits and horror lords, he sees charming girls such as cute lolis, elegant ladies,and everything in between, each with distinct personalities.

The alien bugs invaded, and humanity retreated to the "Ark" mobile fortress. Four years ago, hero Kevin piloted the mech "Silver Scar" to defeat the swarm, but retired after his entire squad fell. When the bugs returned, Kevin reapplied—only to show 0% compatibility. Spy Marshal Sam framed him for treason, sentenced him to death, and sent his mech to the scrapyard. As the swarm breached the gates and Kevin faced execution, "Silver Scar" self-activated, rescued him, and synced at 100%. Kevin repelled the swarm, and the whole city witnessed the war god's return.