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The Last Installment

Misspetty
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Synopsis
Nothing in life is free… except death. Seventeen -year-old Sylus spent his life buried under debts he could never escape, until he finds himself as a player in a game that promises rewards with a simple rule: “Pay later.” But every missed payment drags players into a deadly trap where the penalty isn’t just losing, but dying. In this game, survival is a high-stakes gamble, and every choice could be your last. Will Sylus break free of the cycle, or become the monster he once feared?
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Chapter 1 - The last installment

Two decades ago, someone proved that emotions were not just feelings, they were energy. At first, it was theory, a research paper buried under academic skepticism. Then came the experiments, brainwave scanners mapping spikes of fear, algorithms translating grief into data points, predictive models that grew disturbingly accurate.

Joy beats at one frequency. Greed at another. Regret lingered the longest.

Markets shifted before investors knew why. Crimes were predicted before they were committed. Somewhere along the line, the research stopped being theoretical. It became useful.

Humans carried emotional signatures, patterns engraved invisibly into the air around them. Most people would live and die never knowing their anger left a measurable trace, or that their greed caused their death.

But there were thresholds, moments when emotion overflowed and the special breeds who crossed that line began to see what others couldn't. And those who punished emotional debt they awakened sight.

The notification appeared at 2:13 a.m. 

Marcus Cash almost ignored it, he lay half-asleep on his leather couch, tie loosened, television flickering blue light across the glass walls of his apartment. 

His phone vibrated again, more persistent now. He groaned and reached blindly across the coffee table, knocking over an empty whiskey glass before grabbing the device.

A bright interface filled the screen, black background, silver letters.

WELCOME BACK, PLAYER.

Marcus frowned. "What…?"

He didn't remember opening any game. Below the message sat a glowing icon shaped like a receipt torn down the middle. He squinted, then recognition hit.

"Oh. That thing." A grin slowly spread across his face.

The hottest app online. Everyone at the firm had been talking about it for weeks. Name's Installment, the "free purchase" game.

Ridiculous concept.

All you need to do is accept a digital contract to enter missions, earn rewards, and buy real things like phones and luxury items. You can even do cash transfers and pay later, with no credit checks or bank verification. He had downloaded it drunk after a company party. Never really played, until now.

Another notification appears underneath.

MISSION DEADLINE APPROACHING.

Marcus sat up straighter. "Oh right…"

He tapped open the app, the interface unfolded smoothly, a timer blinked at the top.

00:47:19

He frowned. "Forty seven minutes remaining." 

Remaining for what? Scrolling down revealed a list of rewards. Designer watches, crypto credits, vacation packages.

His newest acquisition was highlighted.

PURCHASE: LUXURY EXECUTIVE BONUS—$50,000 CASH.

His grin widened, that transfer had saved him, covered gambling losses and helped silence his creditors. Nobody questioned sudden money if you lied well enough. He tapped the mission tab lazily and instructions appeared.

TASK: RETURN WHAT YOU TOOK.

Marcus snorted. "What kind of stupid—"

More text loaded:

DELIVER REPAYMENT THROUGH THE ASSIGNED METHOD.

Below it was a location pin, a rundown district across town. His smile faded slightly.

He leaned back. "That's creepy."

Marcus had seen games like this before, all flash and no substance. Immersion gimmicks, designed to hook you with a brief sense of wonder. The pattern was always the same: walk to a decided location, scan something, and accumulate points. 

"Fine." He muttered and checked the timer again. 

Forty-five minutes. Outside the windows, rain began tapping softly against the glass windows. Marcus hesitated, then shrugged.

Fifty thousand dollars was already in his account. Worst case? He deletes the app.

He stood, grabbed his coat, and headed for the elevator.

***

Rain slicked the streets, his car moved quietly as he drove through the sleeping city. The GPS guided him away from top buildings, away from clean sidewalks, into older neighborhoods.

Marcus frowned deeper with every turn. "This better be worth it."

The app blinked softly in the phone mount, timer ticking. 

Thirty minutes. 

Twenty-eight.

The pin stopped beside an abandoned building squeezed between warehouses. Windows boarded, graffiti across the cracked concrete. No lights or movement.

Marcus parked reluctantly. "This is stupid."

But curiosity won, rain soaked his shoulders as he stepped out. The app chimed.

ARRIVAL CONFIRMED.

The building's front door creaked open slightly. He froze, the sound of the groan echoing in the air. 

"Wind. Probably." He thought.

He pushed it wider. Darkness swallowed the entrance. Dust, thick and heavy, filled the air. He hesitated only a moment before stepping inside. His phone flashlight reflected through the darkness.

Broken desks, old computers, their screens dark and their bodies gathering dust, were piled on top of each other like fallen soldiers. 

Another notification appeared.

PROCEED TO PAYMENT POINT.

An arrow formed on the screen, pointing downstairs.

Marcus laughed nervously. "Commitment to immersion, huh?"

He descended, each step echoed too loudly. The basement smelled worse, damp concrete and rust. His light landed on something in the center of the room.

A metal chair bolted to the floor, straps hanging from the arms.

Marcus stopped walking. "That's not funny."

Silence answered him, then the app chimed again.

PAYMENT METHOD AVAILABLE.

Text slowly appeared beneath it.

CONFESSION.

Marcus scoffed. "Oh come on."

He turned to leave, the screen flashed red.

MISSION FAILURE WARNING.

Timer:

05:00.

Five minutes.

His irritation flared. "Fine."

He walked toward the chair. Up close, he noticed a camera mounted overhead, old and dusty.

He laughed again. "Alright. Viral marketing. I get it."

He sat, straps slid closed automatically around his wrists. Marcus jerked violently.

"What the—!"

The metal locked him tight, a cold, unforgiving embrace. Panic shot through him, his face pure, raw terror. He struggled harder, muscles screaming in protest, but the metal held firm. Nothing moved and he felt trapped. His phone slid from his hand onto his lap. 

New message appeared.

STATE YOUR DEBT.

His heartbeat thundered. "This isn't funny!"

No response, only the ticking timer. 

Four minutes.

Marcus swallowed. "Okay. Okay. Someone is watching. This is definitely a prank. Fine." He said, his voice breaking a bit.

"I borrowed money," he muttered.

Nothing happened, timer continued.

Three minutes.

The lights above flickered on suddenly, blinding white, he gasped. A screen across the room activated. Black background, sliver text, an interface different from before.

INCOMPLETE.

Marcus' breathing quickened. "What do you want?!"

Words typed themselves slowly.

WHAT DID YOU TAKE?

Images flashed across the screen, rapid and brutal. A coworker crying after being blamed for his mistake. A signed document forged. A loan taken under false pretenses. His wife packing a suitcase months ago.

His stomach dropped. "How…?"

The writing continued.

YOU ACCEPTED REWARD WITHOUT COST.

The straps tightened, and pain shot into his wrists.

"I'LL PAY IT BACK!"

Silence. Then:

INSTALLMENTS REQUIRE HONESTY.

Timer:

00:45.

Forty-five seconds.

Marcus screamed. "OKAY. I STOLE IT!"

No reply. Sweat soaked him, plastering his clothes to his skin.

"I LIED!"

Still nothing. 

His voice cracked. "I RUINED PEOPLE!"

The timer stopped.

00:00.

For a moment, nothing happened. Hope surged through him. See? Just a sick—

The phone vibrated once, final notification.

INSTALLMENT DEFAULTED.

The lights shut off, total darkness. Marcus screamed, a heavy metal sound blew somewhere above him. A cable snapped, then—

***

Rain washed the streets clean by morning. Sylus watched the news broadcast of an elevator car that had fallen seventeen floors. He sipped his tea slowly, not feeling any ounce of remorse. Hands buried in worn jacket pockets.

He leaves his apartment building and moves slowly despite the rush around him, steps measured, and calm.

As a lanky kid, people always bumped shoulders with him, some apologized, some didn't. He barely reacted. The school gates loomed ahead, scholarship banners fluttered proudly overhead. He paused briefly before entering, just long enough to check his phone.

The screen reflected pale eyes back at him. Unread notifications filled the top bar. Some emails, some reminders and schedules, all were ignored. Another notification sat at the bottom.

ONE INSTALLMENT COMPLETED.

Sylus stared at it, expression unreadable. For a moment, something almost like exhaustion crossed his face, then it vanished. He locked the screen and slipped the phone away.

Inside, laughter echoed through hallways. Students crowded around glowing screens. Excited voices overlapping.

"Bro I got legendary credits!"

"No way—show me your rank!"

"They say if you grind missions you can actually get cash!"

Sylus slowed his walking, just slightly. Every screen showed the same interface. Black background and silver letters. His jaw tightened. Someone brushed past him, nearly dropping their phone.

He caught it automatically, a glimpse flashed across the display.

PLAYER RANKING—GLOBAL.

Thousands of usernames scrolled endlessly upward. He handed it back without a word. He barely thanked him before running off.

Sylus kept walking, he got to his classroom door, and stopped. Inside, everyone was talking about rewards and missions and how easy it all was. His hand went to the handle. A slow vibration came from his pocket. 

He didn't look, instead he opened the door and stepped inside. Outside the window behind him, unnoticed by anyone, the reflection in the glass window lagged half a second behind his movement.

And for that brief delay, something else stood where his shadow should have been.