“A soul borrows a property from the sphere of the Genius (archetypal realm). And a more concrete property from the physical world. And as it borrows this property along with this transaction. It takes upon it the obligation and taxation as well as the responsibilities which are attached to the property. Very often the property is not in proper repair and damage has been done to it. And it falls to his lot, to repair it. And if there be a mortgage on that property, that becomes his due. Together with the property he becomes the owner of the records and the contracts on the property, which he owns. And this is the secret of what is called karma, which makes the soul know of its existence."
~Sh. Inayat Khanق