This is an alternate explanation of the previous post titled Destiny, Karma and Renunciation:
The present birth or present life does not start with Shunya (Nothing) nor it becomes Shunya (Nothing) at the end of this life automatically.
What we experience in this present birth is the result of the accumulated karma from all our previous births.
The goal in this birth must be to exhaust all our karma so that at the end of it there is no balance karma left!
Only in that stage is liberation attained!
Opening of a bank account and further transactions on the account can be taken as an analogy:
Opening a bank account requires a mandatory amount or minimum balance that is to be deposited and maintained as long as the account is active.
We do all our transactions from this point with credits and debits of various denominations happening all the time.
The debit transactions (negative karma) are determined on the basis of all the previous credit transactions but still the minimum balance has to be maintained. Even though the minimum balance is attained, the account is still active and hence liberation is not attained.
Similarly, by doing credit transactions (positive karma) also, it is not possible to attain liberation though one may proceed towards higher planetary systems in the material universe.
When we want to close the account, we must debit the entire balance amount along with the minimum balance so that the net balance becomes shunya or nothing. Once this happens,we disassociate from the bank!
Let’s see what we can infer from this analogy to life. The bank terminologies and the equivalent terminologies associated with life has been mentioned for easy understanding:
Bank: Material world and the field of material activity.
Bank Account (association with the bank): The gross body and Subtle senses that is required to transact in the material world.
Owner of the Bank Account: Life or Jiva or Soul
Minimum Balance – three modes of material nature viz., goodness, passion and ignorance that binds the soul to the material world.
Opening of Bank account: Soul acquiring a material body to enjoy the fruits of this material world.
Credit Transaction– Happiness due to positive karma that brings enjoyment to the material body but increases bondage.
Debit Transaction – Distress when positive karma is getting exhausted, also indulging in forbidden actions!
Desire to close the account – Desire to attain Self-realization by transcending the three modes of material nature.
Account Closing – Process of relinquishing the gross and subtle bodies.
Zero Balance – Liberation from material world and eternal residence in the realms of supreme abode where there is no birth, death, old age or disease.
Again, it can be seen that renunciation (surrender) with a strong desire to attain self-realization is the only means to close this materialistic bank account and attain liberation! That’s quite a price to pay but the reward is un-interrupted innings in the spiritual world.