Acharya Prashant explains that even after a person undergoes a spiritual transformation, the consequences of past actions, known as the law of karma, must still be faced. He uses the analogy of a bank loan to illustrate that even if one's desires change, the obligations incurred in the past remain. However, the way of the wise person, or the gyani, is to no longer identify with the individual who committed those past actions. By changing one's internal state and ceasing to be the 'doer', one stops being the 'sufferer' of the fruits of those actions. He references Kabir Saheb to emphasize that while the physical or external consequences may continue, the transformed individual does not participate in or get hurt by them. Using the example of the Buddha, he explains that while physical sensations or verbal abuses may still be perceived, the enlightened being does not identify with them because the old self, such as Siddharth, no longer exists. Acharya Prashant advises allowing the remnants of the past to burn out naturally without interference, as intervening would only create new karmic cycles. The key is to remain peaceful and resist the temptation to react to the unfolding of past karma.