I believe that we all are presently living in the worlds of karma and reincarnation . As spiritual beings, we have come to the Earth plane primarily for the purpose of having a human experience . We can access the Soul plane to understand the spiritual causes behind the human experience that we have chosen.
Experience is greatest, best, and only real teacher of truth.
In past lives, we have determined what did not work and what did. We learned what did not allow us to become more loving and what did. We discovered what did not serve the development of our character and what did. We repeat our problems until we have become refined enough to become the solution to them. The goal is to bring ourselves into greater levels of love and awareness and closer co-workership with God.