Loan shark ( CYOA V3)( OC insert)

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I took an offer and I made a deal . I play with fire and my entire life is a gamble for every time I use my powers I bet my humanity or my identity . I have no option but to gamble so I play while laughing and crying for what is life except for a gamble to survive and I WILL SURVIVE
Chapter 1(draft)
My name is John Yon Carter and I am a self insert . Yeah so apparently I got kidnapped by an inter dimensional entity and then I was given powers . Now that would be wonderful however it came with the caveat that I got transported into WORM . Now it could have been worse , oh so worse . I mean I could have been transported to WH40K.

As I contemplate my situation I feel the shock of everything that happened in the last hour going away .I also start feeling the panic kicking in and I am start to try to process my emotions.

As I curl into a fetal position while laughing and crying hysterically all I can do is say " I am screwed ." over and over again because I have to fight super powered cultists ,nazis , yakuza and hobos . That would have been manageable because the gangs in Brockton Bay are logically speaking not that bad specifically when compared to the S-class threats . The part that sucks however is the fact that I have to fight the End Bringers and Slaughterhouse 9.Coil definitely makes things worse .

As I lay curled up in a fetal position all I can think is 'I need to run. I need to survive . I need to prepare. I need to plan . I NEED TO WIN' I have no other option except to win
 
Chapter 2( draft)
After a while , I manage to compose myself and get up . I take a deep breath to calm down because I need to be in control if I want to survive . I need to have a game plan for my powers most definitely reward preparations. Now granted if I am willing to just go all out then realistically speaking no one would be truly able to stop me . My power however comes with a drawback that makes doing so without a good reason a very bad idea.

As I think about which route I take,I immediately know after a bit of thinking that I have no other option except to join the PRT . I wish I had any other option but I do not . I will not be a villain because things are bad enough as is , I do not want to make things worse . Choosing to be a rogue or an independent hero is out of the question because guess what I am broke without any identification at all .


The PRT can help me solve the whole extra dimensional refugee situation plus they can grant me a stable job along with convenient powered meat shields . I may need to deal with Coil and Cauldron however they are all things considered manageable. Now to deal with coil it does mean that I have to tell my superiors about my meta knowledge but that is a sacrifice that I am more then willing to take .

I of course have a plan to deal with potential hostility along with the very real option that everything fails. In the very worst case scenario I will just go eldritch monstrosity on everyone's butt for the foreseeable decade.

" I guess the powers I chose for myself are surprisingly appropriate for me for to the people of this world I may as well be an eldritch monstrosity after all I watch the world as nothing more then a play."
 
Chapter 3(draft)
" Ok so for my plans to succeed I need some powers." I hate to do this but really what choice do I have except to bet my humanity in a gamble . I utilize Mad Takent: Ability to create a thinker power to allow me to know how much of my humanity has been lost .
+10%

I grimace a bit for while it is better then what I expected but worse then what I had hoped for . The next thing I do is utilize Mad Talent : Ability to create a power that overtime restores my humanity.
+70%
I breath out a sigh of relief for this was a complete gamble and all things considered it was a success . The power restores essentially 1% of my humanity per hour , this will probably be my greatest lifesaver . The next thing I do is step out of the alley and start asking for directions.
—————————————————————-
It takes a while but I eventually reach the PRT headquarters. It took a bit of asking around and loosing half of the money that I had on me but I eventually reached my destination . Now before I went to the PRT, I went to an alley near the HQ then I utilized Browbeats ability to essentially create bone protrusions on my face as a crude mask . I go up to a guard in front of the door and say" Hey, I am a para human and I wanna join the protectorate." I notice that he tenses a bit but after a while he relaxes slightly.

This was done deliberately in such a way because in my situation honesty and being blunt is the best option for me . I need my employers to be able to trust me so that my meta knowledge can be used by me for maximum mileage .Now to achieve that I have establish a reputation as someone that does not beat around the bush plus in my experience being blunt is the best way to prevent misunderstandings.

It was at this moment that I took my first step to heroism and the future of the world would change forever .
 
Chapter 4( Draft)
I had been taken to an empty room that looked like a conference room . I had to wait for ten minutes before Miss Militia had shown up and before she could say anything I started speaking.

" You are Hannah, Collin is Arms master, Shawn is Dauntless , Rory is Triumph , Robin is Velocity , Ethan is Assault . Now as for the wards Aegis is Carlos , Gallant is Dean, Missy is Vista , Dennis is Clockblocker, , Chris is Kid win and Sophia is Shadow stalker . Now did I miss anyone ? Anyway please tell Chris his speciality is modular tech and please send him my regards. As you have probably figured out that I am a thinker , I would like to say that I have information for the directors ears only . I would like to be able to speak to the director at the earliest convenience for the information could save countless people."

After speaking non stop I take a deep breath because as I very much told everything in one single breath . I notice that miss militia was definitely shocked to say the least which I could tell due to the weapon in her hand changing constantly and the slight widening of her eyes. I notice the exact moment that she realizes this situation is way out of her pay grade as she takes a step back and gets out of the room.

——————————————————————

I had to wait an extra twenty minutes after my stunt but eventually the Director and Arms master came into the room. She sits down in a chair with Arms-master standing behind her . I can already see her mild disdain which I speculate to be higher then average for me due to my mask . I pretty much have a mask made of bones and anyone with two brain cells would be able to tell I have some form of biology manipulation. Piggot is an Ellisberg survivor so yeah definitely not the best first impression.

Now yeah Piggot may have some bigoted opinions but I am still more then willing to work with her because she most definitely knows and can work around her flaws . You know the fact that she has not yet given up her job just makes her seem admirable to me after all in her position I probably would have just retired from my job.

She takes what is obviously the superior seat as a sign of petty dominance and waits for me to break the silence as a power play. In normal circumstances I would stay silent to challenge her but the prospect of saving who knows how many lives is far more important then some petty power play. I am more then willing to set aside my pride if that means it can help at least one person . I break the silence by saying" Good evening , my name is loan shark and before we begin I would like to emphasize that all recording devices in this room are turned off for I have knowledge which in the wrong ears could risk killing countless innocent people ." I say this with as much seriousness as I could to get across my point .Piggot looks to Arms master for confirmation which he shows by giving a slight nod.

I had to wait a while as Piggot just stares at me as if looking at me would tell her all my secrets . I stare right back at her because fidgeting or breaking eye contact would show me as being weak . I maybe willing to put aside my pride to expedite the conversation but I am not gonna just let her walk all over me . Okay fine maybe slightly after all she is pretty much my type which kinda explains why most of my past relationships were toxic as hell but I digress .

After a while she says " Armsmaster initiate lock down code Alpha 369 ." Armsmaster replies by saying " Lockdown confirmed 3939 initiate lockdown." After a while red lights start flashing and the windows get closed behind shutters after which Piggot gives me a nod as confirmation. At her confirmation I started singing like a fat lady in an opera house . I told her everything and by that I mean everything
 
Chapter 5( Draft)
After I was done saying everything I remembered I paused to take a breath . The fact that I was not shot in the head was proof enough that Cauldron did not either care about what I said or they wanted something from me . This just means I have to be on the lookout for Contessa jumping out of a portal.

I am under no delusion that Cauldron does not already know about me because I did not take the man of mysteries peek plus path to victory is made for dealing with things like Man of mysteries . I will also bet my right kidney that within the coming week Taylor Hebert would either be kidnapped by Cauldron or press ganged into the wards because I am hundred percent guaranteed that Contessa would somehow know all that I said.

After I was done the director looked apocalyptic . I am very sure she was going to murder someone . Arms master was grimacing but otherwise very much stoic.After taking a deep breath she looks at both me and Arms master and says" I trust that whatever information was shared in this room will not be told to others ." I wanted to say that Contessa probably already knows but I knew better then to do that . I cannot honestly blame her for her desire for the illusion of power .


After that was done she takes another calming breath she says to Armsmaster" Turn off the lockdown 3454 Alpha centaur Gemini."After which the shuttles were opened and then Piggot looks at me while saying" I trust that you will be wanting to join the protec-"

" I am fifteen "
" the wards then .you will be given the wards application along with a bunch of non disclosure agreements. You will also be required to tell your guarding about your wards recruitment ."

After hearing that I chuckle a bit at that part as I say " yeah about that I am not actually from this dimension."

Armsmaster instantly stiffens a bit while tersely saying " Explain."

" Ok so I come from another Earth and currently the date in my Earth is 2022 and para humans are very much non existent . Now before anyone asks how I ended up here , well I when I got my powers I pretty much had nothing left in my old world as such I made a deal and here we are."

Yeah , so I was kinda given a choice to not go to WORM but in my home world I pretty much had nothing left . My entire family died from corona . I lost my house due to not being able to pay the mortgage . I had to drop out of high school because forget about studying , I barely had enough money to feed myself . Had I been younger then I probably could have just been adopted but a teenager is very unlikely to get adopted. It still hurts a bit and my memories of my home world are bitter sweet to say the least .
 
Chapter 6( Draft)
Now after my declaration Director Piggot and Arms master had left. I was escorted by some guards to my new dwellings by a couple of guards . I was promptly asked to politely stay in what is essentially a cell . I kinda expected it to be honest plus I was kinda counting on it .

To pass the time , I started to meditate out of boredom. In a normal scenario I would probably just watch YouTube on my phone but the chances of You Tube being a thing in Earth Bet is very much non existent. I could have worked out but my powers kinda take the fun out of all of it . I breath in and I breath out while I constantly focus on my breaths . I clear my mind from all thoughts and worries such as concerns about my future . I actually do get really into it but I am brought out of it when I hear a sound of someone coughing .

I open my eyes and I see Contessa . I kinda expected her to approach me much later but I was prepared . I think the only reason I was not panicking was probably due to the meditation helping me manage my emotions far more easily then usual . She gives me a nod of acknowledgment while I give her one as well .
" Loan shark"
"Contessa"
" You know why I am here and I hope that me and my associates can count on your assistance against the entity?" The question was most likely a formality because the answer would obviously be yes.

I give her a nod to tell her I am in .She looks satisfied with my answer as she says" Very well , every month I will be giving you a list of abilities that you need to develop and in return me and my associates will ensure your survival. Am I understood."

The deal is kinda restrictive but this is a small price for the plot armor known as Contessa . I would even be ok with her mind wiping them brainwashing me to work for her if it means my continued survival. A deal with the devil is a small price that I am more then willing to pay .
 
Chapter 7( Draft)
An hour after Contessa left , a guard had come and they had given me a bunch of NDA to sign along with the wards form .I of course refused to sign unless I had a lawyer with me to check it all over . Now even if the lawyer does check it all over, I will probably read everything and I mean everything before I so much as even touch the paper .I would have normally called a lawyer for my very much illegal detainment specially with me being a minor but doing so would just hurt my own interests after all this is the perfect trap for one Thomas Calvert plus I want to keep a positive relationship with the PRT.
—————————————————————-
It has been about two days since my detainment and a couple of things have happened. The most important of which is that I have essentially mastered Coil and turned him into a puppet. Now how did this happen? Well I knew that it would not be long before Coil finds out about me outing him what with his access to Tattletale plus his moles along with the fact that it is very hard to hide the fact that I got detained . All of these together had created for me the perfect trap , how? I very much made myself into a bait that would be hard to ignore what with me being a really powerful "thinker".


Now you see my plan was quite simple to be honest , should I be threatened then I would very much go all out after which I would go to where coil is in the kidnapping timeline then I would very much master him in both timelines through his own power . Then utilizing my abilities I would let myself know about what happened in the no kidnapping timeline after which I would make Coil discard the timeline.The only reason this worked is mostly due to the very conceptual nature of my power.


Now except for very much taking control of Coil and all of his assets , I had spent my time either meditating or drawing designs for my tinker power.This allowed me to strengthen my greatest asset aka my mind and let me get more experience using my tinker power.

I also got a lawyer who was able to negotiate a very good contract for me by giving me access to my own image and 20% of all profits from merchandising along with a hefty tinker budget .
All of this also very much has Cauldrons finger prints on it otherwise such a deal would have been very unlikely.

As I reminisce about my exploit for the last two days I can not help but chuckle. Coil may have been an idiot due to the multitude of frankly rather idiotic decisions such as press ganging Lisa , letting the undersides know his powers , discarding a safety timelines flip coins , letting the undersides know about Dinah and hiring the travelers . The guy was very much a moron and the only reason he succeeded so much was due to him discarding all timelines that he failed . Now just because he was a moron does not mean that he was not dangerous because guess what he still had a very decent thinker power with a lot of assets . In fact the only reason coil lost so easily was very much due to my power being the perfect counter for his own power. This would have never worked had I been an ordinary para human. This also served a valuable lesson for me for I learned that no matter how durable the armor there is always a chink in the armor
 
Chapter 8( Draft)
I am gonna be meeting the wards today as such I had made sure that I looked extra presentable. I make sure that my hair is properly combed for the thirteenth time . Then I get out of the room . Miss Millitia was infront of my room/ cell . As soon as I see her I say " I would like to apologize for our last encounter . " I take a deep breath as I continue " I was in a bit of a hurry plus I was slightly panicking due to which I may have come of as rude . After a while Miss Militia she crinkles her eyes in a way that lets me know she is smiling as she responds by saying " That is fine however next time do not say another capes civilian identity like that because doing so makes you a bit of a target in the cape community. "

I reassure her by saying" Oh I know about unwritten rules , the only reason I ignored them yesterday was due special circumstances." After that Miss Millitia gives me a nod after which she says" As long as you follow the rules it is fine ."

We eventually reach the ward room and she presses a button which sounds an alarm . She looks back at me then she says " By the way the wards alarm is usually for visitors to let the wards know that they should mask up ." I politely do not inform her that I already know because that would just be rude . Ma never raised an ill mannered bay and I would much rather not tarnish her memory. I also prepare an apology for the wards because technically it is not fair how I know their civilian identity but they do not know mine .

Now I know that the wards are probably nice and all but I can not help being nervous . It has been two years since I really had a friend , my exes do not count , with me needing to run from CPA . Most of the women I have dated were usually really so yeah not much of an assistance . Yeah homelessness would not be that conductive to a proper teen development, who would have thunk it?
 
Chapter 9( Draft)
I enter the wards area and just as I enter , I am greeted by kid win as he comes up to me and says with a smile " Hey , thanks for letting me know about my tinker speciality . My name is Chris by the way ." After which he removes his mask.

" I know" I say sheepishly and then I use my powers to dissolve my mask after which I say" I am a thinker so yeah I kinda know all your names so sorry , my name is John Yon Carter by the way." After which I give my best smile , it has been a while so maybe I am a bit out of practice but the fact that no one ran away was nice . The toothpaste the PRT had given me has been very helpful with making sure teeth is no more yellow. Toiletries are a bit of a privilege when you are basically homeless.The rest of the wards start to introduce themselves one by one .

" My name is Dean ."
" Missy."
" Carlos"
" Dennis ." As he says that Dennis gives me his hand to shake and while his poker face is good , the slight mischief in his eyes gives him away. He kinda reminds me of mewother, who was a stray cat that I used to know . I look at the rest of the wards and I say" He is gonna freeze me isn't he?" Dennis looks shocked for a while after which he replies with " Damn it , I thought I would get you for sure ." We spend the rest of the time talking with each other and playing some video games . Dean and Chris had to go out for patrol after a while .

As I get back to my room while being escorted by a PRT guard all I can think was how nice it was to have friends again. It has been a while to be honest . I could actually get used to this but I discard that notion as soon as it comes because any attachment will more then likely cause more pain in the future. They will not most probably die in the coming years so any attachment would lead to heart break . As I go to sleep , I could not help but cry for the injustice of it all. It sucks that after so long I found someone to care for and I can not get close to them because I know that they are dead men walking .
 
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