Somebody asked Guruji, "We say everything is happening then what about our karma?"
Guruji replied, "The basis of our karma are thoughts, thoughts don't generate inside us, they automatically come, we have no control over them. So, our karmas are all happening.
But, a person who does sadhana, to him less vikalpas come against a thought, so his action on the thoughts are straight, but one who does not, many vikalpas keep coming to him. So one walks straight and the other walks obstructed, but both walk."