Miyauchi Hikage actually didn't remember the name of the guy who was in front of Itou Kaiji, making him sign the high-interest loan guarantee.
He only remembered that in the future, this person also seemed to have been sent to that cruise ship by the debt collectors, and in the end, had once again betrayed Itou Kaiji for money.
Faced with this kind of gambling addict who was meek to outsiders but aggressive to his own, even the Miyauchi Hikage from before he had the diary would not have been afraid of him.
Therefore, after Miyauchi Hikage walked closer, the look in this guy's eyes had already become quite guilty.
And before he could react, Miyauchi Hikage had already snatched the guarantee form from his hand and began to check the debt information on it.
It stated that this person named Furuhata Takeshi had applied for a loan of 300,000 yen from a certain lending company.
With Itou Kaiji's current income of 150,000-200,000 yen a month as a convenience store clerk, this was almost equivalent to his salary for nearly two months.
It didn't seem like much. Even if he paid back 50,000 a month, he could probably pay it off in about half a year.
But this was a high-interest loan.
Looking at the clause that directly stated the interest on this loan was twenty percent compounded monthly, Miyauchi Hikage, whose math was not bad, almost instantly calculated the change in the amount of this loan after a year.
"In the first month alone, 60,000 in interest has already been generated. In the second month, it becomes 70,000... After a year, the interest alone has already exceeded 2 million. Are you really going to help him sign such a guarantee?"
As he said this, Miyauchi Hikage handed the guarantee to Itou Kaiji, who was shocked by the figure of 2 million.
"Compared to this being a guarantee, I think it's more like a trap designed for you by him and that lending company."
"For a period of time after you sign the guarantee, the lending company will not take the initiative to come to you to collect the debt. Instead, it will be after a period of time, when the interest on this loan has rolled up to over a million, that those lending companies will send people with this guarantee that you personally signed to ask you for the money."
Accompanied by Miyauchi Hikage's reminder, the young man's body couldn't help but start to tremble, as if his thoughts had been hit spot on by Miyauchi Hikage.
He tried to explain to Itou Kaiji.
"Kaiji-senpai, please listen to me. I absolutely have no such intention."
"I just needed a little principal, which is why I went to this lending company. Two days! As long as I have this principal, I only need two days at most to pay it back. I definitely won't let it continue to compound interest like this."
Listening to this all-too-classic gambler's argument, Miyauchi Hikage couldn't hold back his laughter on the spot.
He looked at Itou Kaiji.
Anyway, he had already reminded him. If Itou Kaiji still, out of a so-called "friendship," wanted to be a guarantor for the other party, then he had no need to persuade him any further.
Fortunately, although Itou Kaiji was soft-hearted, he was not a fool in the end.
The reason he and the Furuhata Takeshi in front of him could become friends was because they would often go to a nearby pachinko parlor to play a few rounds when they had nothing to do after work, right?
Before, he had been moved by the other party's pleas and hadn't thought carefully about the matter behind it, which was why he had the idea that it was no big deal to just sign for him.
It wasn't until Miyauchi Hikage had interrupted their conversation, and his original intelligence had reoccupied his brain, that Itou Kaiji had realized the problem.
The current Itou Kaiji, with a monthly salary of only a little over a hundred thousand, had not yet fully awakened his gambling addict attribute. Even when he went to play pachinko, he would only go after calculating that the remaining salary was enough for living expenses.
But Furuhata Takeshi seemed to have gradually started to get carried away these past few months, playing bigger and bigger. Even Itou Kaiji couldn't help but privately persuade him several times, but it hadn't made the other party repent.
And now, for what matter did Furuhata Takeshi need to borrow a loan of 300,000 from a loan shark company? Furuhata had played the victim for half a day but had not mentioned the reason for borrowing the money. He had not heard him mention that anyone in his family was sick before either.
So this guy was borrowing money purely to take it and gamble, right?
No, wait, maybe even before this, he had already borrowed money from many lending companies.
It's just that that money might have already been lost by him, which was why he was setting his sights on him.
Itou Kaiji, having returned to his normal intelligence, had almost instantly judged the current situation of this seemingly honest and good-natured junior before him.
A few drops of sweat couldn't help but appear on his forehead.
And then he abruptly returned the guarantee to Furuhata Takeshi.
"Sorry, I can't do this. You should go and discuss it with your family!"
As he said this, Itou Kaiji cast a grateful look at Miyauchi Hikage on the side, and then returned to the convenience store.
That was close. If it weren't for this kind-hearted young man passing by, he might have really fallen into someone else's trap.
Miyauchi Hikage looked again at the guy who had wanted to frame Itou Kaiji.
This guy was indeed cowardly enough.
Miyauchi Hikage had stood in front of him and said his dark thoughts out loud, yet this guy, besides saying "you have no manners" at the beginning, had just been standing there with a dazed look, neither daring to continue to pester Itou Kaiji, nor daring to confront or even fight Miyauchi Hikage, who had ruined his good deed.
Looking at his dazed expression, who knows what he was thinking.
He was probably thinking about who else he could use besides Itou Kaiji.
However, as long as one took a serious look at the content of this guarantee, besides a soft-eared guy like Itou Kaiji, not many people would be willing to become this guarantor.
Miyauchi Hikage didn't care about the sordid thoughts in this guy's heart.
Instead, he followed in Itou Kaiji's footsteps and walked into the convenience store with him.
Itou Kaiji, who had just walked into the convenience store preparing to continue his shift, turned his head and saw Miyauchi Hikage following him, and couldn't help but be stunned for a moment.
He had thought the other was going to buy something, so he hurriedly put on the posture a convenience store clerk should have, asked him what he needed, and at the same time, followed up with a word of thanks.
"Sir, thank you so much for reminding me just now. Otherwise, I might have really signed that guarantee in a muddle."
Miyauchi Hikage nodded noncommittally.
And then he handed Itou Kaiji a business card for Asahigaoka Media.
Of course, his own identity on this business card was not some chairman or general manager. The position on the card was just that of an ordinary video director.
"Although it was just a chance encounter, I think your image fits our company's requirements quite well. If you feel your current life is too dull and want to make some changes, you can call me."
"If you're not at ease, you can first check our company's situation online before making a decision."