The Loan Garden
Keiko Arai sat cross-legged on the tatami floor of her cramped 1DK apartment in Kōenji, staring at the last cup of instant miso soup she could afford until the end of the month. Her phone battery was blinking red, but she let the screen glow a little longer. Another job rejection. Another unread invoice reminder. Another morning where she couldn't quite remember when she last cried — or laughed. She sighed, long and soundless. On her phone, a notification fluttered in. > [AD]: Struggling with money? Let us help. > Welcome to The Garden. > Grow your future. Lease your past. She almost deleted it out of habit. But then noticed the sender — not a sketchy gmail or unknown number, but a verified blue check beside the name: "Senshin Mutual Finance, Ltd." One of the new AI-run microloan companies that had quietly taken over half the rent contracts in the city. She clicked through. A video played: people walking calmly through an airy greenhouse, the soundtrack soft and ...