The reflection on ownership of actions is an interesting combination of equanimity, hope, heedfulness and discernment.

"“All living beings are the owners of their actions, heir to their actions....Whatever they do, for good or for evil, to that will they fall heir.”

This reflection actually turns up in lots of different contexts. In the five reflections, the reflection on karma is the one that gives hope. You realize that you’re in charge of your actions. You’re not simply a victim of fate or of the stars or of some other being acting through you. You’re the one who’s making the choices. That’s what gives you hope.

But it’s hope coupled with heedfulness. You’ve got the power to do good with your actions, but also the power to cause harm. The principle of karma is a double-edged sword. If you’re not careful, you can use it to cut your own throat. This is why the Buddha recommends reflecting on the principle of karma as a way of inspiring heedfulness.

Taken a little further, the universality of the principle of karma is a reflection for developing equanimity both toward yourself and toward other people. In other words, you come across incidents in your life where you can’t gain the happiness you’d like. There’s a karmic block there. So you learn to accept it with equanimity. That doesn’t mean that you give up and become totally passive and indifferent. You look for the areas where your actions can make a difference. Don’t waste your time and energy, butting your head against the wall in areas where you can’t make any change. Focus on the areas where you can.

So equanimity is not hopelessness, it’s not passive indifference. It’s there to redirect your energies in the proper direction, to the areas where you can act for your own well-being and for the well-being of others.

The reflections on karma are also used as a basis for developing wisdom and insight. They form the background for all the teachings on discernment. The central insight of the Buddha’s Awakening was that pain and pleasure come from your actions. There are actions that bring pain, actions that bring pleasure, actions that bring both, and then special actions, that put an end to action, an end to suffering, and bring total happiness. That’s the essence of the Buddha’s discernment. So it’s an interesting combination: equanimity, hope, heedfulness, discernment. These things all go together. They hover around that same reflection:

“I am the owner of my actions. All beings are the owners of their actions.”"

~ Thanissaro Bhikkhu "The Sublime Attitudes" (Meditations2)

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