“Karma” is often (mis)understood in narrower terms as actions or habits or fate but actually is a much larger concept that includes everything from the external situation to internal motive/intent to actions that eventually lead to results…
Karma is actually raison detre (our reason for existence). It happens due to “avidya” which is the belief that we are separate from everything around us which prompts us to engage in the action – result cycle which again builds up more karma to exhaust – its a vicious cycle. This circus goes on till you get a direct experience of Reality/Advaita which is “Vidya”.
“Vidya” is not in just reading scriptures nor going to temples nor in “doing” but in knowing/directly experience the Advaita nature of which you are an expression, it can only be experienced in Yoga which silences all the nonsense thats going on in your mind.
“Yogas Chitta Vritti Nirodha”
Bodhisattva 