Some may disagree but this I think is useful.
"These various interpretations of forgiveness all overlook the fact that the meaning of forgiveness is grounded in the language of debt. In days of yore (and, in some cultures, not so yore), when I impugned your honor, I incurred an obligation to you, a debt that had to be paid somehow. From there, the notion developed that when I do any kind of wrong, to you or anyone else, I have incurred a debt, to you or to society or to God. When we view interactions with others in terms of debt, we are, wittingly or unwittingly, reducing our relationships with others to transactions. Human feeling, human understanding, human empathy all go out the door. "
"Karma is not based in transactions. It is based in evolution. Patterns of behavior set in motion by our actions in the world continue to evolve and shape our perception and predispositions. That process does not stop until we change our relationship with those patterns."