In finance, you have loans, and you have repayments. You take loans, and you pay them back. Plus interest. Once you take a loan, there is no escaping the payback. It is usually painful, but there is no easy way out. What repayment is in finance, karma is in life. A perfectly logical and analogous concept, I used to think. But there is one gray area.

In finance, there is also a concept of a write-off. If a person with absolutely no repayment capabilities somehow avails of a loan, there is usually no payback. Just default. The fact that this person didn't deserve a loan is fine, but thats in the past. The fact remains: he offtook that money and is totally incapable of paying it back, even partially. The lender can only write it off now. There is nothing that he can do to make good his loss and so he decides to let it go. The only winner here is the defaulter. The reason? He played so beyond his means that whatever he was worth paled totally in comparison to what he owed. And so it was written off. Had he taken a smaller loan, he would have been pushed and shoved around and nagged to somehow arrange for the payback. Not so for a ridiculously large amount.

The question then, is that can there be a Karmic write-off? You act cruel, and it will come back to you in equal measure (plus interest). Thats the way its supposed to be. But what if you act so cruel that there isn't enough dead weight in the world to balance off your cruelty? Do you enjoy a karmic write-off because you are so depleted of karmic assets that there is no chance of even a substantially partial payback happening? And if it is so, in the short term (read: just this life and not the future reincarnations or whatever) is it advisable to go so overboard with your negative karma that providence has no chance of a significant recovery? Can you expect to be let off the hook?

Well, guess I can think out of the box. And its always good to know you have choices of actions.

Definitely sounds better than abiding tamely.