Review Detail of Daoist_brother in Bank of the Universe

Don't know who give 5 stars, but to me it was generic novels with cliche and arrogant and dumb mc, yes he has bank that can give anyting and potential for novel is good, but all go nothing with stupid mc and contract that is powerless to do anyting to debters, I mean what is meaning of contract if it doesn't have penalty for debters if debters didn't follow contract, I mean yeah it would look cool if mc used its intelegence and cunningness to collect payments from debters, but mc is dumb and arrogant, and if smth goes wrong plot armor activates and by some luck someone will help him, cause he or she used to be know owner, and it goes like that, nothing interesting