Karma

Bad karma is the spiritual debt one has accumulated for one's mistakes from all previous lives and this life. It includes killing, harming, taking advantage, cheating, stealing, and more. On Mother Earth, when you buy a house, you take out a mortgage from a bank. This mortgage is your debt to the bank. You pay every month for fifteen, twenty, or thirty years to clear your financial debt. In the spiritual realm, if you have bad karma, you may have to pay for many lifetimes to clear your spiritual debt. - Zhi Gang Sha

Debts that must be paid ... that sums up the concept of karma. But I would add that karma is not a burden that you have to carry. It is also an opportunity to learn, a chance to practice love and forgiveness, a chance to learn lessons that are valuable to us. Karma offers us the chance to wipe our dirty slate clean, to erase the wrong doings of the past. - J. P. Vaswani