The karmic account is never ending because one has to be born again and again to reap his good or bad karma carried forward one life to the next.+

The karma theory is introduced to control the populace to do good to the society by the ancient sages.  The fear of karma very often anchor our ego to irrelevant or even wrong things, the karmas draw our ego only into good and noble thoughts.  This is number one.  Number two is they draw us away from all bad thoughts. But karma theory is based on the physical self.  The physical self (ego or you) is the false self within the false experience(waking).  

Law of karma holds good only on the base of the false self(ego or you), within the false experience(waking). On the standpoint of the Soul, the  Self,  the waking experience is as real as a dream.

Karma theory is based on the waking entity. The waking entity (ego or you) is the false self within the false experience, whereas the Soul, the Self is birthless and deathless because it is ever formless. Karma performed by false self within the false experience is bound to be a falsehood.

The religious believers hold,  the law of karma as the universal law and very sacred, because they have blindly accepted their experience of birth, life, death and the world as reality without verifying the validity of their accepted truth.

The path of religion, the theory of karma, yogic path and the path of wisdom were intended for different classes of people. 

The Advaitic wisdom is for the advanced seekers of truth. It deals with the nature of the ultimate truth or the ultimate reality. It is meant for superior aspirants who have an inner urge to know the truth and it is not for those who are immersed in earthly desires.

The doer, the doing, and the world are created out of a single stuff.  The karma implies duality.   From the ultimate standpoint, the duality is not a reality. 

Peoples observation based on dualistic (form, time, and space) perspective, whereas a Gnanis judgment, is based on the nondualistic (soul or consciousness) perspective.  

What is the use of discussing about the karma, which takes place within the unreal world? Instead,  one has to find how this world is unreal (illusion). 

In the Atmic discussion, the form, time, and space (universe) are merely an illusion. The karma is possible within the scope of the experience of the form, time, and space (universe).

That is why Sage Goudpada said:~  The merciful Veda teaches karma and Upasana to people of lower and middling intellect while Jnana is taught to those of higher intellect.

When the self is not the form,  but self is formless then whose karma. The one which is born lives and dies is not the self then the question of karma does not arise.  Waking entity (you) is the false self within the false experience (waking). 

Thus, whatever action and inaction, the past, present, and future belong to the waking experience, which is a falsehood.

What happens to the dream entity which did good karma in the dream world and it died and reincarnated in the next life and suffered but when the waking takes place the dream becomes unreal.

The waking becomes unreal when waking entity (you) realizes the fact that it itself (you) are not the Self but the self is the Soul, which witnesses the coming and going of the three states in succession. 

Thus, neither the karma of waking entity nor the karma of dream entity has to mean because the self is neither the waking entity nor the Self is a dream entity but the Self is the  Soul. 

You are not the 'Self'  because you are the birth entity; you are bound by form, time and space,  whereas the Soul, the Self is birthless.  If the Soul, the Self is birthless then how does the karma theory have any meaning while the karma theory based on the false self (you) and false experience (world).  

The karma theory is a religious fable meant for the people who are fully immersed in the practical life and practical world believing the experience of the birth, life, death and the world as reality.   

If the Self is birthless then what values the karma theory will have because it is based on birth, life, death, and rebirth.

The karma theory is mere religious and yogic fable.

Sage Ramana, Maharishi J. Krishnamurti, Nisargadatta, all died of cancer type illness. It does not make any difference if they died of cancer or not of cancer or any illness. Even Lord Krishna died of a painful death.  The death is the certain cause of death is irrelevant to a Gnani. When the self is birthless then it is deathless 

A Gnani is unconcerned to the death because he is fully aware of that the illusion is only a passing show.   Thus, the karma theory is nothing to do with the birthless Self. Thus, people’s painful death cannot be taken as evidence because self is ever deathless because it birthless because it is formless.

The karmic account is never ending because one has to be born again and again to reap his good or bad karma carried forward one life to the next.   The karma theory is mere religious and yogic fable.

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 ill 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 the karma is a reality only on the base of the false self, where one thinks body and the universe as reality. When one becomes aware of the fact that, the true self is Soul, then karma becomes part and parcel of illusion.   

My point is that, if one accepts the karma theory as reality, he will never be able to come out of the ignorance. And ignorance makes him believe the cycle of birth, life, and death as a reality.  

Thus, the freedom which one is seeking will remain a distant dream. For the one who accepts the birth life and death as a reality, Self-knowledge or Brahma Gnana or Atma Gnana is impossible. :~Santthosh Kumaar