...the counsels of the Divine Mind had some glimpse of truth when they said that men are born in order to suffer the penalty for sins committed in a former life.
I have this tattooed on my left side! I love the saying and it's a perfect description of Karma, don't judge/discriminate and don't do to someone what you wouldn't want done to you.
From a Buddhist point of view, the actual experience of death is very important. Although how or where we will be reborn is generally dependent on karmic forces, our state of mind at the time of death can influence the quality of our next rebirth. So at the moment of death, in spite of the great variety of karmas we have accumulated, if we make a special effort to generate a virtuous state of mind, we may strengthen and activate a virtuous karma, and so bring about a happy rebirth.
The universe that we inhabit and our shared perception of it are the results of a common karma. Likewise, the places that we will experience in future rebirths will be the outcome of the karma that we share with the other beings living there. The actions of each of us, human or nonhuman, have contributed to the world in which we live. We all have a common responsibility for our world and are connected with everything in it.
Who cares for your bhakti and mukti? Who cares what your scriptures say? I will go into a thousand hells cheerfully if I can rouse my countrymen, immersed in tamas, to stand on their own feet and be men inspired with the spirit of karma-yoga. I am a follower only of he or she who serves and helps others without caring for his own bhakti and mukti!