I would say that you are describing Karma Raymond. It is true that we are paying back to the universe our karmic errors. Yet karmic errors can be undone as a result of the love of the Father and the mercy of the Eternal Mother Son. Coming into our being will result in our karmic errors being dissolved in the love of the Father and in the mercy of the Eternal Mother Son. Why do not all children make errors along the way? Yet, the Father and Son were expecting this very thing. One day when we stand before them we may ask them about the errors that we committed along the way. They will simply say, "What errors?" For such is their magnanimous goodness, sterling grace and unconditional love, that the errors that we make along the way will never be counted against us. They will embrace us warmly and kiss us upon our brows and assure us of their everlasting love for us. I send you my love dear Raymond.
Paul