When a man has borrowed a lot of money, he will never have a moment’s peace until he has repaid his debt. So it is with all the work that our ego-clinging has given us to do; it has left negative imprints on the alaya similar to promissory notes. When our karma fructifies and ‘'payment’' is demanded, we have no chance for happiness and enjoyment. All this is because, as it says in the teachings, we do not recognize ego-clinging as our real enemy.
Kyabje Dilgo Khyentse Rinpoche