Our reality is a reflection of what we hold in mind. We are continuously creating our reality from the mental structure of our mind.
When we hold negative thoughts and concepts (thoughts and concepts not aligned with truth) in our mind, we create a reality that incorporates those mis-aligned concepts as experiential relationships and events. Those mis-aligned concepts fold back onto us through our reality as experiences, showing us what we need to address/align within our mental structure.
We have labeled experiences in our reality that involve situations and relationships which feel other than positive (resulting from the mis-aligned mental concepts held in our mind) as "Karma". Karma is a dynamic, or an operational response of correction. It is the way consciousness naturally tries to correct mis-aligned concepts in our mental structure.
"Creating Karma" is usually associated with a questionable choice or response, and sometimes Karma is believed to be something beyond our control that is in our "cards" or "destiny"... both of these references are referring to the definition/dynamics I just presented only from an unaware state, Bottom-Up perspective. Because most people do not understand the basic concept of how we create our reality through our mental structure, Karma is then believed to be a negative uncontrollable thing, punishment, or something we must "make-up for", and must endure.
When Karma is associated with a past life and a person believes they must make up for mistakes made in other lives... they are being shown to re-align their mental structure. When they eventually re-align their mental structure those negative relationships and events in this life will subside. Some people are able to adjust their structure within a lifetime and other's need to be shown that they have had these mis-aligned concepts in their mental structure over multiple lifetimes as an incentive to take action!
For some individuals, Karma is a very real thing. They are creating relationships and events from the mis-aligned concepts in their mental structure, and because they are unaware of the underlying dynamics of their reality, those negative relationships and events seem very real and are quite confusing to them. Using the label of "Karma" is way of understanding the negative experiences.
For others, Karma is no longer necessary. They have cleared their mis-aligned concepts and simplified their mental structure to the point where they are only creating and experiencing a positive reality. Their reality matches their positive mental structure. The person understands and accepts the accountability of how they are creating their reality. They know the ramifications of holding mis-aligned mental concepts, and they willingly re-align them.
Understanding the dynamics of Karma is directly proportional to the re-alignment and simplification your mental construct.
Karma is a catch 22!
It is a challenge to understand the dimensional dynamics of Karma unless you re-align your mental structure... and it is a challenge to re-align your mental structure unless you understand the dimensional dynamics of Karma!
Understanding and re-alignment are interdependent...
What a challenge!
I have recently experienced some relationships where I can feel this catch 22. I keep experiencing the same negative experience over and over, trying different circumstantial things with the hope that the experience will get "better". When I do my best to look at the negative experience objectively, I keep seeing the theme Love and affection. When I bring my awareness to the dynamics of how I am creating my reality, it is so much easier for me to understand that changing circumstantial things is not going to affect the experience. Changing my concepts about Love and affection will change the experience. I am resisting re-aligning my concepts about Love and affection. Why? When I change my belief about Love and affection then the experiences and possibly the relationships associated with Love and affection will positively change.