By accepting the karma theory, one is accepting the unreal as real, and permanently remains in the domain of the illusion.+

By accepting the karma theory, one is accepting the unreal as real and permanently remains in the clutches of duality thinking the cycle of birth, life, and death as a reality. Therefore, to overcome the illusory experience cycle of birth, life, death, and the world one has to know the fact that, the waking entity(ego) is not the Self, but the Self is the invisible Soul. 

The Soul is present in the form of consciousness. Consciousness is within the mind (universe or waking) but it is without the mind (universe or waking). Thus the self is within the ‘I’ but it is without the ‘I’. :~Santthosh Kumaar

• Linda Macmillan, Narendra Joshi, and Mahesh Hegade like this.
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• Q:~

  Suppose a person doesn't know one's own gender of the body, though performing the actions of the body; will that person ever come to know the gender by doing those actions many times? But if that person comes to know the Gender, will he forget the Gender even after doing so many actions? It is something similar, the realization is the only way and not reading scriptures year after year! sorry for being rude,  but you love the same rude way told by me in my past lives!
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  Santthosh Kumaar:~  I respect your views and wisdom. Deeper self-search reveals the fact that the karma theory is meant for those who are immersed in worldly life, thinking of the individual life within the particle world as reality. In the path of the truth,  the karma theory becomes a great obstacle to realizing the truth.

  
  

  When Sage Sankara says clearly, the universe is not real. He says that Brahman and Atman are one. The ultimate and the Absolute Truth is the Self, which is one though appearing as many in different individuals. The individual has no reality. Only the Self is Real; the rest, mental and physical are but passing appearances, then it indicates the form (waking) is unreal the formless is real (Soul or Spirit or Consciousness). Therefore, only Atman is real because there is no second thing other than Atman.
  
  He also clearly mentions that:~
  
  The path of religion,  the theory of karma, the path of yoga, and the path of wisdom were intended for different classes of people. The wisdom is for the advanced seekers of truth. It deals with the nature of the ultimate Truth and Reality. It is meant for superior aspirants who have an inner urge to know the truth, which is beyond form, time,  and space.  and it is not for those who are immersed in earthly desires.
  
  Thus,  we have to know the fact that,  Buddha,  Sage Goudpada, and Sage  Sankara are not only reformers but also the greatest scientists. Since their original thesis has been lost in the labyrinths of philosophy and mutilated by pundits and orthodoxy, it becomes very difficult to understand and assimilate the wisdom expounded by the great masters. In addition, the conservativeness of the orthodox scholars will not allow any research other than playing with the words, that suit the mass mindsets, because of their egocentric outlook.
  
  All the add-ons have to be deleted, to understand and assimilate the real fragrance of the wisdom expounded by the great masters of Advaita, but it is a hurricane task. Thus, it is no use going through all the scriptures, when there is a direct path to nondual truth. The same time and effort can be used to reach the nondual destination, in lesser time and effort.
  
  Nonduality does not need the support of any scripture or revelation like the Veda. For it is based, not upon the varying theological fancies, which are as numerous as the sands of the sea, but upon reason, the common heritage of all mankind, irrespective of color or creed or clime.
  
  The seeker of truth has to know that something is inadequate in Buddhist or orthodox Advaitic teachings to reach the nondual destination because of the add-ons and adulteration. Thus,  it becomes difficult to reach the destination directed by the Buddha,  Sage  Sankara, and Sage Goudapada. 

  
  The karma theory is a reality only for those who believe their present physical identity (ego) as real, and world as reality. When the  Sage  Sankara declares the world itself is an illusion, and Brahman is real, then what value does the karma theory have when the world is an illusion because man is part and parcel of the illusory world. Therefore, one has to view and judge the three states, from the standpoint of the formless Soul, the innermost self, to overcome the duality, which he is experiencing as reality. The individuality is a reality within the illusory world. Therefore, all the theories created within the illusion on the base of the false entity, within the false experience, have to be part and parcel of the illusion. Thus,  it is necessary to realize the fact that Atman is the true self and all else is an illusion, to overcome the illusory concept of the cycle of birth, life, and death. 

  
  

  Sage  Sankara says in Aparokshanubhuti:~ 88. When the whole universe, movable and immovable, is known to be Atman, and thus the existence of everything else is negated, where is then any room to say that the body is Atman?
  
  89. O enlightened one, pass your time always contemplating on Atman while you are experiencing all the results of Prarabdha; for it will becomes you to feel distressed.
  
  90. The theory one hears of from the scripture, that Prarabdha does not lose its hold upon one even after the origination of the knowledge of Atman, is now being refuted.
  
  91. After the origination of the knowledge of Reality, Prarabdha verily ceases to exist, inasmuch as the body and the like become non-existent; just as a dream does not exist on waking.
  
  92. That Karma which is done in a previous life is known as Prarabdha (which produces the present life). But such Karma cannot take the place of Prarabdha (for a man of knowledge), as he has no other birth (being free from ego).
  
  93. Just as the body in a dream is superimposed (and therefore illusory), so is also this body. How could there be any birth of the superimposed (body), and in the absence of birth (of the body) where is the room for that (i.e., Prarabdha) at all?
  
  94. The Vedanta texts declare ignorance to be verily the material (cause) of the phenomenal world just as the earth is of a jar. That (ignorance) being destroyed, where can the universe subsist?
  
  95. Just as a person out of confusion perceives only the snake leaving aside the rope, so does an ignorant person see only the phenomenal world without knowing the reality?
  
  96. The real nature of the rope being known, the appearance of the snake no longer persists; so the substratum being known, the phenomenal world disappears completely.
  
  97. The body also being within the phenomenal world (and therefore unreal), how could Prarabdha exist? It is, therefore, for the understanding of the ignorant alone that the Shruti speaks of Prarabdha.
  
  98. “And all the actions of a man perish when he realizes that (Atman) which is both the higher and the lower”. Here the clear use of the plural by the Shruti is to negate Prarabdha as well.
  
  99. If the ignorant still arbitrarily maintain this, they will not only involve themselves into two absurdities but will also run the risk of forgoing the Vedantic conclusion. So one should accept those Shrutis alone from which proceeds true knowledge.
  
  The above proves that karma is a reality only on the base of the false self, where one thinks of the body and the universe as reality.
• Thus, to understand and assimilate Sage Sankara’s Advaitic wisdom, the seeker has to do his own homework through inquiry, analysis, and reasoning on the true base, without mixing religion, scriptures, theories concepts of god, and yoga.
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• When one becomes aware of the fact that, the true Self is the formless Soul, then the karma becomes part and parcel of illusion. 
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• My point is that, if one accepts the karma theory as a reality, he will never be able to come out of ignorance. And ignorance makes him believe the cycle of birth, life, and death as a reality. 
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• Thus, the freedom that one is seeking will remain a distant dream. For the one who accepts birth life and death as reality, Self-knowledge or Brahma Gnana or Atma Gnana is impossible.
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• It is for the seeker to go on his own and remove the obstacle. The greatest hindrance is mixing religion, God, scriptures, and yogic theories. Moreover, attachment to scriptures, personal god, and religious code of conduct keeps one permanently in the grip of duality.
  
  If the Self is neither the body nor the ego, neither the waking entity nor the dream entity but the Self is the invisible  Soul, the Self, then how the karma based on the false self (form or the waking entity) within the false experience can yield fruits. Therefore, karma is a religious fable based on the form.