Spoiler text.I'm actually confused both the FMC's are good, I like the pink hair one (but she is a bit Sad*** IYKYK :|   ).

The black hair FMC is very mysterious... The author is doing everything but not a bit for our MC little romance in life. To be clear I don't totally like romance it is cringe but a bit for our MC is acceptable he have already struggled enough ( but it also brings money problems for him buying gifts and all). And a but of it is enjoyable at least he should get a good gf.
Sometimes it feels like he is only doing side quests only and the progress in real world is almost none, I sometimes forget he is actually playing VR. And the problem of 3billion won is mind boggling, and in top of 5years ( IG only 3-2.7years remaining if I calculated correctly), if I'm not wrong he hardly have 1/3rd of that money in 1year of playing Royal Road (the VR game name/world).

It is a pure slice of life story with almost no antagonist here. There is a death scene here, it might make you sad, but the DeathFlag will be so obvious.

But the thing irritates me that the MC here have tried to gamble himself to slave trader. The S trader is a good Guy (that what I feel). There were few situation were the MC needs to reduce the tension or take blame for the FMLs -> when things almost got out of his hand he proposes that If this or that he couldn't do he will became his slave for life..