The fortune teller said that I owed too much in my last life and asked me to go to the temple to set up a memorial tablet in my last life.

This is complete nonsense. Don't believe it. This is cheating you of your money. If that's the case, shouldn't everyone set up a memorial tablet in a previous life? Buddhism says that what you owe in your last life is what you have suffered in this life. Why do you have to set up a memorial tablet with an avatar on your head? It is okay for people to have faith, but don't be superstitious. Besides, if someone owes you something, why set up a memorial tablet in the temple? You won't agree, will you? Buddhism advocates taking responsibility. Cause and effect can never be settled by setting up a memorial tablet.