The environment of this world makes us regress easily and become more stupid and worse. This is a world of form, color and discrimination; therefore, when we come to this world, we will become an outward being. Our mind is frequently distracted by things we like, so we forget our own great wisdom. Gradually, we are more and more separated from the great power in the universe, and become a lonely person. We become weaker and weaker with less and less wisdom and no sense of security, so the thoughts of greed, anger and ignorance are generated, which form a special magnetic field around us, attracting the like and repelling the different. Thus the so-called Karma is created.
We often hear that Bodhisattvas can bear people's karma, because they can shoulder others' karma on themselves and cleanse them with the power of spiritual practice. Therefore, since ancient times, anyone who seeks for liberation has to look for that kind of great Masters. Because when we just start to practice spiritually, it's very difficult for us to pay for so much karma; however, the great masters have very abundant merits accumulated from many lifetimes' practice. They have enough power, which perhaps can't be seen, but is infinitely great. You have heard that after initiation with Master, five generations will be liberated; this is also achieved with this power of spiritual practice. Therefore, we say that the spiritual power is the most precious; it cannot be bought no matter how much money is paid; nor can it be taken away no matter how great the authority is.