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Good and Bad Karma both cause bondage
Good Karma is Not Enough
Bad karma brings suffering upon a person and should therefore be avoided. But even good karma does not free one from suffering; it provides only temporary relief. Due to one's good activities one may be elevated to the higher heavenly planets, but one returns back to the earth after exhausting one's good credits or 'punya'.
For example if an employee works faithfully, his company may give him an LTA (leave travel allowance) of Rs.20,000/- and also give him 20 days leave to enjoy in a tourist resort. The employee may enjoy for 20 days; but after 20 days, he has to return to his job and start working hard again. Going to the heavenly planets is like that. When the 'punya' is over, 'kshine punye martya lokam vishantV one falls back to the same earth to again continue in the cycle of birth and death. What is the use of such temporary elevation to heaven? Moreover good karma may bring good reactions but to enjoy those reactions one has to accept another material body and that brings with it the inevitable miseries of birth and death.
Birth and Death -Agonizing Experiences
Although it appears to be simple, taking birth in the material world is not a picnic for the soul. For months the human fetus lies cramped within the darkness of the womb, suffering severely, scorched by the mother's gastric fire, continually jolted by sudden movements, and feeling constant pressure from being contained in the small amnion, or sack, which surrounds the body in the womb. This tight, constricting pocket forces the child's back to arch constantly like a bow. Further, the unborn child is tormented by hunger and thirst and is bitten again and again all over the body by hungry worms in the abdominal cavity. Birth is so excruciating, the Vedas say, that the process eradicates any past-life memories one may have retained. Similarly death is also an agonizing experience for the soul. In the Srimad Bhagavatam (3.30.16-18), the great sage Kapila Muni describes the true nature of the death experience, "In that diseased condition, one's eyes bulge due to pressure of air from within, and his glands become congested with mucus. He has difficulty breathing, and there is a rattling sound within the throat He dies most pathetically, in great pain and without consciousness."
No one likes to lose even a tiny finger of one's body. Once a boy got cancer in one of his little fingers. The doctor told him that the finger had to be amputated. Not wanting to have one hand with only four fingers, the boy refused. But as the cancer spread, the pain became intolerable and the boy went to the doctor again. This time the doctor told him that one half of the hand had to be amputated. Aghast the boy frantically consulted doctors abroad. Finally an entire hand had to be amputated. The boy became utterly devastated at the prospect of living a life without one hand. Thus the body is very dear to the soul. The soul is so habituated to living in the body that he must be forced out by the laws of nature at the moment of death. Just as no one likes to be forcibly evicted from his home, the soul naturally resists eviction from the material body. Even the tiniest insects will display the most amazing abilities and techniques for avoiding death when their lives are threatened. But as death is inevitable for all living beings, so are the fear and pain associated with it.
At death, not only is one's body stripped off, but also all near and dear ones are left behind and the soul has to go alone to an unknown destination according to his karma and desire. When one goes to send off relatives, one feels great separation even if one has to be away just for a few days or months. Nobody wants to be separated from one's near and dear ones. Death is therefore extremely painful; the pain being to the degree one has developed attachments to the things and people of this world.