@ y not: Sorry I missed your post.
Paying back previous debts is very important. These connections prevail though many lives, and can block the path to Nibbana.
For example, there is a Tipitaka story about two bhikkhus who meditated together. They could not concentrate because each one keep seeing a huge pile of rice in the mind. Finally, they came to the Buddha, who explained that they had been together as two beggars in a far back life; one didn’t have anything to eat one night and asked for some rice from the other. He promised to pay it back, but died overnight. That was the debt waiting to be paid. So, the Buddha asked the monk who was the donor in that previous life to focus on the other and to say that he is forgiven. Once that was done, those “mental rice piles” disappeared from their minds and they were able to proceed.
Here a question may come up: how could it be bad for the donor, since he did a good deed? However, the donor in this particular case did not “donate” in the true sense (i.e., with no attachment to that cup of rice). Rather, it was a loan that he wanted the other to pay back. This is why it is important to “give” in the true sense giving.
When one is doing metta bhavana, one is paying off all such previous debts. Even mundane metta bhavana is good. As one’s comprehension of anicca, dukkha, anatta, asubha nature, that will increasingly become Ariya metta bhavana. In other words, power of the javana citta will get stronger with increased understanding.
This is the mindset that Tien had when he started contemplating on an ant in his earlier post. When one realizes that all beings are “in the same boat”, and are subjected to this sansaric suffering, one’s mind will generate high javana power.
P.S. It is important to realize that not each and every little debt is going to affect one like in the above example. We know that there are many examples where people attained even Arahanthood in the same life after killing people (Angulimala is a good example); that is a huge debt! So, the story given above is not a typical case. Mind issues can be very complex.
Tien said: “When look back to the experience I describe here, I can tell it’s Sakadagami Phala, it’s hard to differentiate between this and Anagami Phala, only later time when you will know for sure..”
Yes. Getting rid of kama raga anusaya is harder. This is why we all have been trapped in the rebirth process for so long. A Sakadagami does not have any desire to “own” those things that provide sense pleasure, but still have cravings to enjoy (some of) them. In fact, I have been in this stage for some time now.
I can clearly see that I have no desire to “enjoy an alcoholic beverage”, to a watch a movie, listen to music, etc (Of course, I can do any of them if I feel like, but I just do not feel like doing them). I have clearly seen not only the uselessness but also the dangers in them. I am easily abstaining from all other sense pleasures as well. It is not that I have to make an effort to do that. But such thoughts (vaci sankhara) keep popping to the mind occasionally, probably due to previous gati, as Tien mentioned. But the frequency of that is reducing.
P.S. Of course, I can only know what I have attained.But there seem to be at least several making good progress.