Karma is the game of pretending that something you believe matters and that it has repercussions. Forgiveness wipes the slate clean and all that you imagined is no more.
Fear is the instrument of karma. If you are afraid, you will fear the repercussions of your actions and will be punished and go through another round of learning.
Love is the key to erasing all fear, and oneness is the light at the end of the tunnel.
You never have to worry about losing your way nor about guilt when you are at home in Love. God is the Light and the Way. When you have found God, you are at home and at peace. All that you believed is dissolved, and Light has taken its place.