Chapter 2
Author: Adewale
last update2026-09-29 06:04:09

A flat, insistent beeping dragged him back from nowhere.

Beep. Beep. Beep.

Mark Faye's eyelids felt glued shut. He pried them open. Drop-ceiling tiles, one stained the color of old tea.

He tried to lift himself. Pain lanced through his ribs like something had been rebroken. An IV line tugged at his right arm. He was in a hospital bed, wearing one of those backless gowns that tied at the neck and left everything exposed to the draft.

The monitor beside him chirped along, steady and indifferent.

I should be dead.

He remembered the water. The cold driving into his lungs. The Corolla sinking. The quiet relief of finally letting go.

So why in the hell was he here?

The door swung open.

A nurse came in—maybe thirty, coiled braids, scuffed white sneakers under her scrubs, eyes on a tablet. She glanced at him, then did a genuine double-take.

"Oh. You're with us." She crossed to the bed, checked the lines. "How's the pain?"

Mark's voice came out ground glass. "What happened?"

"MVA. You went off the Alden Bridge three nights ago." She was tapping notes, not really looking. "Fire department fished you out of the Calder. Your heart stopped for four minutes before they got it back."

Four minutes.

"You're lucky," she said, adjusting the IV drip. "Most people down that long come back with something wrong upstairs. Your scans came back clean."

Lucky.

Sure.

She started for the door.

"Wait." Mark's throat worked. "The bill. What do I owe?"

She paused. "There's no insurance on your intake."

"I know. Just tell me the number."

She tapped the tablet a moment. "Response unit, ambulance, ER surgery, just over sixty hours in ICU, meds… you're sitting at $847,329.18."

The number landed like a kick to the chest.

Eight hundred and forty-seven thousand dollars.

"That's…" He couldn't finish the sentence.

"Yeah." Her face was the professional kind of sorry that cost nothing. "We've got financial counselors. They'll set you up on a plan. Most people take ten, twenty, sometimes thirty years to clear it."

Thirty years.

She was gone before he could find another word.

Ninety minutes later, the door opened again.

Different nurse. Fortyish, ash-blonde roots showing through a dye job a month past due, lipstick two shades too dark, frown lines etched deep. Her badge read LINDA.

Trailing her was a kid in scrubs, early twenties, shoulders too wide for the top, beard trimmed into a sharp line. MARCUS, according to his tag.

Linda carried a clipboard stacked with forms.

"Mr. Faye." Flat, bored. She dropped the clipboard onto his lap. "Financial responsibility packet. Sign and initial every tab."

Mark looked down. Pages of dense, unreadable legalese.

"What am I signing?"

"Acknowledgment of the debt. Repayment schedule. Consent to wage garnishment and asset seizure in the event of default." Linda was already thumbing her phone. "Standard."

"I can't pay this," Mark said, quiet.

Linda didn't look up. "Nobody can. That's what the plans are for."

"No. I mean I have nothing. I lost my job four days ago. I've got two hundred and forty-seven dollars in the bank."

That got her. She looked up, one eyebrow climbing.

"Two hundred and forty-seven?" She actually laughed. "Wow."

Marcus snorted from the doorway. "Bro, you owe almost a million bucks and you've got $247? That's bleak."

"Language, Marcus," Linda said, grinning. "We're professionals."

"Right, right. My bad." He wasn't even trying to hide the smirk. "Medically bleak."

Linda set the phone down, warming to it now. "Okay, let's run the numbers. You owe $847,329. No job, no assets. Even if you land something full-time at minimum—what's that at, fourteen fifty?"

"Fourteen fifty," Marcus confirmed.

"At fourteen fifty, full-time, after taxes you're clearing maybe twenty-four grand a year. Rent, food, power, bus fare… you've got, what, five, six thousand a year to throw at this? That's…" She pulled up the calculator. "A hundred and forty-one years."

Marcus whistled. "Damn. He'll croak before he's halfway."

"Oh, long before." Linda studied Mark like he was a specimen under glass. "Which means the balance rolls to next of kin. You got kids?"

"No."

"Married?"

"Divorced."

"'Course you are." Linda exchanged a look with Marcus. "So let's recap: you drove off a bridge, botched dying, and now you've manufactured a debt that'll outlive you by a century. Mazel tov."

Mark's jaw tightened. "I didn't ask to be rescued."

"Yeah, well, nobody asked us to drag your dumb ass out of the river either, and yet." Linda crossed her arms. "You know what the funny part is? The really funny part? We've pulled three people out of the Calder this month. Two of them stayed dead. You know why?"

Mark said nothing.

"Because they had DNRs. Do Not Resuscitate. Thoughtful people who did the paperwork ahead of time." She leaned against the wall. "But you? You just floored it off a bridge with nothing signed. So legally, we had to bring you back. And now you get to spend whatever's left of your sad little life paying us for the favor."

Marcus was half-scrolling his phone now. "We should add a stupidity surcharge. Do something dumb, pay extra."

"Right?" Linda laughed. "Suicide attempt, plus a hundred grand. DUI, plus fifty. General waste of hospital resources—" she waved a hand at Mark "—priceless."

"I wasn't drunk," Mark said, low.

"Oh, so you were sober when you decided to drive off a bridge? That's somehow worse." Linda shook her head. "Drunks at least have an excuse. You were just… what? Sad? Broke? Boo-hoo."

"Linda—" Marcus glanced at the door, suddenly uneasy.

"What? He tried to off himself. I'm just saying, if you're gonna do it, commit. Don't half-ass it and hand the rest of us the tab."

Each word landed like an open palm.

"You know what you should do?" Linda went on. "We're hiring. Environmental services. Fourteen fifty an hour. You could mop these halls for the next thirty years. Hell, if you're lucky, maybe you'll slip on a floor you forgot to cone off and crack your skull. Then you can give dying another go. Second time's the charm, right?"

Marcus made a noise, half laugh half cough, and tried to cover it.

Linda was rolling now. "Let's be honest, though. Even if you work here full-time for thirty years, you'll barely nick it. You'll die poor, alone, and in the red. Your obituary'll read 'survived by $600,000 in unpaid medical bills.'"

She picked up her phone again, done with him.

"Fill out the forms. Somebody from collections'll be by to talk repayment. And hey—" She paused in the doorway, smiling with her mouth only. "next time you want to kill yourself, save us all the paperwork and swallow a bottle at home. Cheaper for everybody."

Marcus followed her out.

Mark could hear them in the corridor.

Linda: "God, I hate jumpers. So dramatic."

Marcus: "Should you have said all that? Like, legally?"

Linda: "What's he gonna do, sue me? With his two hundred and forty-seven dollars?"

Laughter. Fading down the hall.

Mark lay there, staring at the stained tile.

The clipboard still sat on his lap.

$847,329.18.

A hundred and forty-one years.

"Next time… just swallow a bottle at home."

His hands were shaking.

Not from weakness.

From rage.

Clean, burning, crystallized rage.

She was right about one thing. He'd half-assed it.

If he was going to die, he should have made sure.

Should have—

The lights flickered.

Once. So fast he might have imagined it.

Then the heart monitor stuttered. The steady chirp glitched, dropped out for half a second, and came back.

Mark's breath caught.

Blue light began to bleed into the edges of his vision.

Not from the room. From somewhere else. Somewhere inside.

A translucent screen resolved in the air in front of him—floating, impossible, unquestionably real.

Text crawled across it in a cold, mechanical typeface:

[SCANNING HOST...]

[VITAL SIGNS: CRITICAL]

[PSYCHOLOGICAL STATE: BROKEN]

[FINANCIAL STATUS: CATASTROPHIC]

[HUMILIATION THRESHOLD: EXCEEDED]

[WORTHINESS INDEX: CALCULATING...]

Mark's pulse spiked. The monitor began chirping faster.

[ANALYSIS COMPLETE]

[HOST QUALIFIES]

[ULTIMATE WEALTH REBIRTH SYSTEM - INITIALIZATION BEGINNING]

"What the fuck—" Mark whispered.

[Silence, Host.]

[Your humiliation ends now.]

[Your rebirth begins.]

The screen pulsed blue.

And for the first time in four days—maybe four years—Mark Faye felt something other than despair.

He felt hope.

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