When a man is born he is born in debt. This is the Hindu concept of debt. He is obliged to repay his ancestors without him he would have lineage. He is obliged to his parents who raise him. He is obliged to his culture and community. He is obliged to Gods and sages. And he is obliged to nature at large. So he spends his entire life repaying his debts. This is dharma. If done dutifully without expectations, he can liberate himself from all debts. This is moksha. If done half-heartedly or conditionally, he entraps himself in the web of karma and is reborn once again carrying the burden of debt. There is no escape from the karmic cycle until all debts are repaid and close our accounts here.
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