The Dynamics of Debt and Earning

All actions committed by us on a day to day level affect a certain number of people in certain ways. If the net resulting positive of any action is greater than the net resulting negative, then that particular action leads to karmic earning. Similarly, if the net resulting negative of any action is greater than the net resulting positive, that action leads to karmic debt. Since all debt or earning must be eventually equalized, Karma waits for the opportune moment to arrive when its fruition is possible. Rest assured, the wait means compounding interest for the karmic base investment or loan. For such a moment to arrive, numerous factors come into play. First, of course, there’s the players involved, i.e. those between whom the drama of Karma is unfolding. Then there’s the required field or environment in which any karmic sequence can unfold. There’s the committed action along with the side-effect actions, all triggered by a catalyst. And then there’s the medium with which debt is repaid or earning is extracted. One must not forget to mention the side-line players who hasten or delay the players, environments, actions or medium of karmic equalization for positive or negative purposes. Let’s go through these categories one by one. 


It is easy to understand that the future players of such a game are the same current players between whom debt or earning has resulted. There are exceptions to this rule though. For example, it is possible for an evolved soul to transfer earning to another person or to a Rishi before leaving the body, so that the soul does not have to take birth just for the sake of earning, having no debt to repay. Also, if a near one is suffering, intense prayer or meditation can transfer our earning to the sufferer and bring about healing. The act of healing then brings about compounded earning for the well-wisher. Intense debt resulting from great suffering caused is non-transferable. Lighter debt of a person can again be taken on by an evolved soul who might choose to suffer because he/she cannot see the loved one suffer. It also comes about that the person to whom earning has been transferred comes face to face with those who had to pay this particular debt and the former extracts the debt from the latter. To illustrate this, there was a saint who retired from his business. At the time of retirement, all those who had to pay him money refused to pay, and all those, whom he had to pay, came to collect their business 



payments. He sold his property and paid everone off. Then he went to Hardwar with a list of those who owed him, and approached a young and highly exalted Master on the banks of the Ganges. He told the Master that these were the people who owed him and those there were the exact amounts and that he wanted the Master to take over this unpaid earning, so that the saint could finally take proper Sanyasa. The Master replied that in the times to come helpers would be required for menial work in the Ashrams being run by the Master, and it would be befitting for such souls who refused to pay off their debt to a saint to be born in difficult circumstances and work for the Master till their debt with compounded interested was paid off. With that he started laughing loudly and accepted the list, thanking the saint. Yes, one primary playground, where reward is reaped and punishment borne, is our own very world. 


Conducive environments in which the game of Karma unfolds are sometimes hard to come by. This is the reason why certain actions go unpunished or unrewarded for generations. With this one understands why tyrants can go unscathed for many years at a stretch, and why thousands of good acts committed by a saintly person can go unrewarded for the entire lifetime. It goes without saying that one day each Karma will find the right environment for fruition. For such an environment to come about, all karmic strings involved must meet at that particular time and place where the players are ready for the karmic event to commence. Now it’s time for the catalyst to come into play and bring about action. 


Suitable catalysts can be certain chosen words, deeds or situations which trigger off the appropriate actions between karmic players. [Those on the spiritual path learn to recognize and “detrigger” this trigger, allowing negative (or sometimes even positive) karmic environments to diffuse without reacting to them.] The medium of payment can be money, love, hate, care and the like. Actions can range from violence to soft-spokenness, to tender loving and caring, to hateful verbal exchanges etc. The potency of actions varies too. Mankind is capable of the highest and the lowest. Heinous acts like murder and rape can lead to lifetimes of bondage, whereas the supreme sacrifice of dying for the nation can lead to lifetimes of earning.  Mental agony caused is registered and eventually atoned for proportionately. Where one must really be careful is the area of side-effect actions. These are extra deeds which don’t form a part of the original debt, but are committed in the heat of the moment or owing to the intensity or the pace of the situation and the freedom of the will prevalent at the particular stretch of time involved. It is very difficult to extract one’s earning to the very penny. Often, one ends up extracting more than due if one doesn’t read the situation properly. This leads to debt. Similarly, it is again very difficult to judge what the exact repayment of the debt requires, i.e. where and when to stop repaying. One can easily end up paying less or more. Less would be a future problem. If violence results from a certain debt, it is almost always accompanied by extra violence on part of the debt-extractor, which keeps the karmic bond alive, and when the players meet the next time around, their roles interchange. It is said that Lord Saturn has the capability to bring about exact repayment of debt and extraction of one’s exact earnings to the penny during his time of astrological influence [whereby he starts with the settlements of debts first]. When this happens, the particular karmic cycle ends. 


Often, the Guru and/or “angels” steps/step in to bring about conducive environments for the fruition of good Karma. These entities work outside of three dimensions, and their work involves the breaking up, repair and refixing of loose or blocked karmic strands between players, so that appropriate karmic environments can result at the right time and place, and their wards can reap the rewards for their good deeds [whereby only a small percentage of the strands of Karma allow themselves to be tampered with, falling under mildly blocked or entangled Kriyamana Karma]. The Rakshasas are constantly trying to destroy the building up of such environments, and the Guru has a hard battle on his hands for the sake of his/her spiritual ward. For example, Rakshasas try and tempt the ward into sin, so that the spiritual environment required for the fruition of the good Karma does not result. Such is the battle of good versus evil, and it wages everywhere, everyday. Meanwhile, the Rakshasas are also busy in weaving apt environments for sinners to commit more sins. Since, in the times of Kalyuga, the Rakshasas outnumber all spiritual entities tremendously, the latter are barely enough to fight any battles for their spiritual wards, and don’t have the time or the manpower to convert sinners or properly influence potential sinners by weaving appropriate environments around these.  They have to rely on the quantity and quality of Good (related and proportional to earning) performed by their few wards to outweigh overall evil (related and proportional to debt) if the battle against Kalyuga is to be won hands down.



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