I'm on the chapter 22 and i found this boring 😭 Will it get better later?

Sadly, it does not.

also stopped at chapter 22, the idea of adding debt to the story line irks me... i feel like its just following the plot of other manhwas combined

Same here, I also stopped at chapter 22. It just became unbearable to read. The story was good in the early chapters when he became a genius necromancer; he got a cool, strong, and mysterious vibe. But suddenly, when the debt thing came out, he became lame and boring. ╥﹏╥