A Wild Man Has Entered the Academy - Chapter 118

Chapter 118

Money (1)

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As human civilization developed, various cultures emerged, and one of the most prominent aspects was money. Broadly speaking, it’s known as the economy, and more narrowly, as currency.
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Money holds a significant place in human civilization, being the root of numerous incidents and accidents. You don’t have to look far; just consider the Soviet Union.

The superpower that divided the world with the United States through the ideology of communism. Although it eventually collapsed due to its limits, it left a significant mark on history.

This demonstrates the substantial role money plays in human civilization. Its importance transcends time and place.

Why am I talking about this? Because a large sum of money is about to come into my hands. The week had passed quickly, and the weekend had arrived.

I had decided to leave the auction and fee payments to Kara, but I planned to observe directly.

Since the auction was held at the academy, there would be no cheating.

Once the auction was concluded, I would deposit the money in the bank immediately.

“Alright, Sivar. Let me teach you about the concept of money. Do you see this?”

Before the auction started, Kara came to the dorm to give me a lesson.

Kara and the others didn’t know that I understood money. They likely assumed I knew the basics at most.

“This is a silver coin. It’s a key currency, meaning it’s a common currency. Each country has its own currency, and the amount you can exchange for silver varies.”

Kara showed me a silver coin. A man’s face was engraved on it.

It was probably based on the hero who defeated the demon. That’s what I remembered.

Silver coins began to circulate during his time, and the academy was established shortly after.

Initially used only at the academy, over time, it became a key currency.

“Exchange rates… You probably wouldn’t understand. Anyway, you can use this to buy things like candy or cake, which you like. You’ve seen us buy things, so you get the idea, right?”

“Yes. One silver coin for one candy.”

“You remember correctly.”

Most games use a single type of currency. Soul World also uses silver coins as the main currency.

Each country has its own currency, but the value of silver coins doesn’t diminish, making them usable anywhere.

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However, due to exchange rate issues, some places are less efficient, and during certain events, the value of silver coins can plummet.

People carry silver coins for their versatility, but they’re not all-powerful. Think of them like the U.S. dollar.

Regardless, having lots of silver coins is always beneficial. They can even help grow non-combat professions.

“While having many silver coins is good, it also makes you a target. As I mentioned before, after the auction, word will get out, and all sorts of strange people will come. I can block them if I’m with you, but alone…”

Kara looked worried, fearing I might get scammed. She then glanced beside me.

Since we were talking in my dorm, Rize was also present. In other words, she was looking at Rize.

Noticing Kara’s glance, Rize smiled and spoke.

“I can’t always be by Brother Sivar’s side. It would be better to inform others.”
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“Hmm… Then, if Sivar gets scammed, can you help?”

“I’ll help by cutting off the scammer’s hand.”

That’s incredibly severe. It’s dangerous for a saintess to say, but merciful if a holy warrior says it.

In medieval times, scammers often faced severe punishment. Especially counterfeiters, who were usually executed without question.

If Rize supports me, it’s less likely that scammers will approach.

“Additionally, be wary of anyone claiming innocence by mentioning me. Many scammers think they’ll never see you again.”

“Oh, I’ve had that happen. Luckily, my father intervened just in time, or I might have fallen for it.”

“How did he punish them?”

“He cut out their tongue and sent them away.”

“Merciful.”

Look at these brutal conversations. The fact they flow so smoothly is even more surprising.

Given their high status, they must have attracted all sorts of riffraff. They likely went through a lot.

“Still, it’s tricky because some people genuinely want to help. I once dismissed someone, only to find out later they started a major trading company.”

“The economy requires both insight and knowledge to thrive. Kara has both, so she’ll do well.”

“I’m worried about Sivar. He seems to have good instincts about people, but lacks knowledge…”

Hey, I understand everything now. I can’t even argue since they’re genuinely concerned.

Besides, they don’t know that I have both instincts and knowledge. I know which companies will rise.

Investing in them could make money easily. But doing it secretly or convincing them is the issue.

Kara, in particular, is sensitive about money, so there may be conflicts.

‘For now, I’ll just leave it in the bank?’

This world has advanced nations with developed banking and finance industries.

Storing money in a bank for interest isn’t a problem, but it takes too long.

In Soul World, banks are for keeping money safe, not for earning interest.

“After the auction, the money will be deposited into Kara’s account, right?”

“I plan to go to the bank first. If Sivar gets an account, we’ll deposit it there; if not, it will go into my account.”

Even with advanced finance, creating an account isn’t easy. It’s quite strict.

You need an ID or document that guarantees your identity. Without it, you can’t open an account.

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If anyone could open an account, fake accounts would be everywhere, used for crimes. People in the past weren’t stupid.

“Since Sivar is an academy student, it shouldn’t be hard to create an account. But Kara will still need to manage it.”

“I can’t hold onto it forever. He needs to understand the concept of money… but it’s tough, right?”

“With basic education, it’s not difficult. With Kara and Ellie’s help, he’ll learn.”

“Ah, Ellie…”

Kara seemed hesitant when Ellie was mentioned, as if she hadn’t considered it.

‘Ellie doesn’t have the best financial sense…’
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She’s not a big spender, but she spends a lot on herbs and potions.

Currently, she’s using forest herbs due to lack of funds, but if you invest in her, she’ll spend everything.

Still, she grows tremendously, making her a top investment. I plan to invest in Ellie as soon as I get money.

“It’s almost time for the auction. Are you heading to the bank first?”

“Yes. I’ll set up Sivar’s account first. We can teach him about money gradually.”

As the auction time approached, I went out with Kara. We were heading to the bank.

Tatars, focusing on trade, naturally became sensitive to money. Hence, Hector introduced banking and finance.

Despite his troubles, Hector is a decent ruler. Otherwise, he’d have ruined the country.

Thanks to this, Kara knows banking well. She’s also smart with investments.

‘She hasn’t invested in stocks yet.’

The reason she hasn’t invested in stocks is simple. They haven’t been introduced yet.

Knowing and utilizing something are different. Tatars is just starting to introduce stocks, so there are many shortcomings.

Despite her reputation as a barbarian, Kara is cautious. She doesn’t act without prior information.
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“Let’s see… I have my ID ready, and my status as an academy student is registered. No need to worry. Let’s go.”

“Okay.”

We soon arrived at the bank and went through another check. The bank’s exterior was familiar, only the building materials were different.

A place that felt both fitting and out of place. Thanks to a scientifically advanced nation, the world benefits.

While I looked around the bank, Kara consulted with the banker to open my account.

“An academy student can’t deposit more than 10,000 silver coins?”

“Yes. Due to newly implemented regulations. There have been many cases of accounts opened by academy students being used for crimes.”

An unexpected problem arose. Academy students couldn’t deposit more than 10,000 silver coins.

Nobles had family guarantees, but not commoners. They had to go through extremely strict procedures.
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Kara wanted to argue, but she stopped. The reason was clear: crime prevention.

“Then can I deposit into my account?”

“Well… You are from Tatars, aren’t you?”

“…So?”

Is she being denied because she’s from Tatars? Kara’s expression hardened.

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The banker looked around and whispered to us.

“Tatarans have unclear credit ratings and very low limits. It’s due to past problems.”

“This isn’t about issuing bonds; it’s personal.”

“Consider your status…”

“Ah.”

Kara seemed to realize she was a Tatar princess. Unexpected problems kept arising.

Kara’s account could hold up to 500,000 silver coins. The value of the Usk blade tusk became clearer.

Creating an account became difficult. Even Kara’s account couldn’t hold the money.

Increasing my account limit was necessary. This required complex procedures.

“The auction starts today… Any other way? Canceling isn’t an option with people already gathered.”

“As I said, you need an item or witness to guarantee your identity.”

“Hmm… Ah.”

Suddenly, I had a good idea. I nodded and told Kara.

“Wait here. I’ll be back.”

“Where are you going?”

“You’ll see.”

I should’ve done this from the start. I quickly left the bank.

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About ten minutes later, I returned with the “witnesses” the banker mentioned.

“I didn’t know about this regulation since I don’t use banks often.”

“I agree. I didn’t expect it to be an issue for Kara either.”

Rize and Rod. A holy warrior and a swordmaster.

The banker was stunned by their unexpected arrival. It was unbelievable.

“So, what about the account?”
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“…Wait a moment. I’ll get the bank manager…”

If this doesn’t work, it’s discrimination.

End of Chapter