Zhou Yue'e guarded a small shop for twenty years, and being soft-hearted, she often gave credit to villagers, accumulating fifteen thousand yuan in debt. She fell and was injured, lacking three thousand yuan for medical expenses, which delayed treatment and nearly led to amputation, yet her indebted relatives and friends no one returned the money. Her son Xu Chunsheng returned to the village and cleared the old accounts, called a halt to bottomless credit, withstood emotional blackmail and malicious harassment, while struggling farming households could have their repayment deferred. The rival consignment shop went bankrupt due to operational chaos, and villagers successively took the initiative to repay the money. Zhou Yue'e learned to refuse credit purchases, and the small shop was incorporated into the supply and marketing cooperative's standardized consignment.