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by vajradhara - an important point to bear in mind is that karma is not an inescapable thing.. one does not need to pay back the karmic bank, so to speak, for the full amount of the loan. There is a way to mitigate the amount of reaping that a being will do of the seeds that they have sown. If there were not, Liberation would not be possible.
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Thank you for this post. There are so many karma discussions going on in various forums and I don't remember having seen it put this way. Nice clarification! The general misunderstanding is indeed that after "the bank account is paid up" then we finally "get" liberation, and that this is bound to take many, many life-times.
Once we understand that karma is nothing but the mechanism of our own mind, we can be free. Liberation is closer than our own heartbeat.