MrMerlin
Isn't nation lottery of british start in 1994?i googled it.Well at least he can do odd jobs in first year and go horse racing or info gathering and info selling ofc i mean like differences in market prices he may need to travel alot but time is on his side.There are definitely better ways to use save and load but you can't fault the man for trying his best in an unkown world without anything
If Ron can be considered a great wizard, Harry must be like Merlin. Ron was one of the most useless characters to the point that he is only there to show that while Harry is pathetic he is at least not as bad as Ron. Also the "talent" aspect of the story is a bit weird since you said Dumbledore has like 11-12 talent. were the Founders Four like at 20 talent, with Merlin at 40-50? its a bit confusing since Dumbledore has such low talent if we are going by a 0-100 scale. I feel like the power scaling is just to keep the MC weak so he abuses save/reload to degrade his skills to show that while the MC has a system he is not OP. I feel like the system would of been fine w/o the talent so the MC just works harder to keep up with and then surpass the others, now it just seems like as long as he raises his talent he can slack then force a "character reflection" arc where the MC gets beat down into oblivion and makes him realize he was to arrogant and he should work even harder than before.