Jayapataka Swami: Read the first canto of Śrīmad-Bhāgavatam, how the personality of Kali was beating the cow and the bull. And they always, when they were asked who was doing this they gave some other reason, that this due to our karma, and they have somewhat different reasons. Instead of seeing the persons who are causing the problem as the responsible person. We can see the different reasons why things are happening, and don’t see the person who does wrong as the reason. See the person rather as a result. In that way, you can see that the person is just acting as an agent, and not consider the person to be guilty.