My own take on this is that each one of us can create that 'haunting' of bad choices, along with any baggage carried along through life, no matter what that baggage is filled with, it is each of their own doing, karma has nothing to do with it, it shifting blame and not seeing what actually is, seeing hough filters of belief systems and conditioning through life and filling up the baggage accordingly on our own...Hope that helps clarify what I meant as well...
Karma doesn't work like this to me, it's a force and helps facilitate our endeavours, no matter right or wrong, and using karma as it really is then the outcome of those endeavours is also revealed early on, with it being our choice to continue on or make changes then and there...All the cards can be shown if we choose to see them instead of letting the dealer (karma) lay a few of them face down, it's our choice...
Maybe not the best analogy but it's off the top of my head lol...
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