2). The second form of suffering is the payment of a karmic debt being generated in the present. This is the result of failure to apply the Master Key, due to either ignorance of it, or insufficient practice to have perfected its application.
3). The third form of suffering differs from the first two, by not being a consequence of the choice of Free Will. The soul is not responsible for this suffering. It may be the result of circumstances over which no soul has control e.g. an earthquake or volcanic eruption. This third form of suffering is the creation of karmic credit; it is not the payment of karmic debt. This karmic credit becomes future advancement, happiness, peace, and better circumstances.