I’d rate this novel 8,5 out of 10. The concept and storyline are already solid, although some plot points feel a bit forced. For example, the main character only defeats a level 2 debt collector, but the author pushes the plot by introducing a random, stronger opponent immediately afterward—and this cycle keeps repeating until a level 13 creature shows up, which feels overly excessive.
Another issue is the lack of participation or initiative from other human races in the MC’s life. When they do appear, they usually underestimate him. The author forces the plot to make the MC show off and 'slap faces', which also affects how the NPCs behave. That said, I still quite enjoyed the rest of it.
Not a bad read, but the main character feels a bit too naive. He tells someone he just met a few days ago that he’s from another world—and pretty much spills everything. Kinda a shame, since the novel actually has a lot of potential.