He managed to get you into debt across multiple worlds?
[ Now Wangji is horrified and should never meet this man. He will have strong words to say otherwise. ]
So he frequently does this to anyone, not just his own student. Is what he taught so valuable that he could get away with that?

So you travelled between those five places while acting as a guardian? How did you travel between them, was it a vehicle or a portal? Some other means? What were you protecting the people from?