It might be worthwhile to note that the reason why beings have various "stored up karma", if you want to call it that, and that this karma eventually gets used up or whatever, isn't because of some external hand of fate or cosmic cause. It is because all beings desire, in one way or another, to be free from unhappiness, to attain a perfect state of mind. Of course, an insect may not be thinking about this in a way that we would regard as cognitive. But, to put it simply, you eat so that you do not need to eat, and you flee a predator so that you are not eaten. We strive to be free from striving, and where that freedom occurs is in the mind.
The true nature of mind is clear, and without conflict. A famous analogy (referring to the true nature of the mind) is often used, in which a pond of water is described as being originally clear. but if you take a stick and stir up all of the dirt at the bottom of the pond, the water becomes cloudy. However, if you wait, when the water stops moving, the silt will once again settle and the water's true state will once again reveal itself.
So, the whole point of Dharma, really, is that all beings will, eventually, attain liberation from confusion, from rebirth, samsara and suffering, because the true nature of mind is the Buddha (awake) mind. What the Buddha taught was an expedient method for the Human realm, a method of settling the mind in order that it might return to its original state. If the true nature of mind was not perfect clarity, and if this perfect state of mind was not attainable, then the practice of Dharma would be pointless.
Profile Picture: "The Foaming Monk"
The Chinese characters are Fo (buddha) and Ming (bright). The image is of a student of Buddhism, who, imagining himself to be a monk, and not understanding the true meaning of the words takes the sound of the words literally. Likewise, People on web forums sometime seem to be foaming at the mouth. Original painting by P.Volker /used by permission.