I love the idea of karma as fear of the future and guilt about the past. How incredibly insightful.
I've often thought of karma in terms of an impersonal cause and effect, which also has to take place in time. So when we are in the now, there is no cause and effect, so no karma. That's true, but it goes so much farther to say that when we are in the now there is no guilt and fear. And that these emotions stem from a fundamental belief in separation from Love.
You confused me a bit when you said that even Eckhart Tolle level 'nowness' wouldn't free us from this. If we are in the now, how can there be any reaction to past or future possibilities?
What I wanted to say with this is, that as long as there still is a belief into guilt even as a possibility, you will be dragged out of the Now into the stories of past and future. This way it becomes a fight of will against old tendencies and this is what many people who try to be mindful experience. An endless struggle to keep mindful, because as long as you have not seen, that guilt is impossible, this unconscious belief works like a force working against mindfulness. Only when you face all these believes of separation and see their illusionary nature, you can rest in the peace of God.
Thank you and much Love! ❤️
Edit I forgot to mention, that every time you take a stance into the Now, without facing the core illusion of guilt, you are making guilt stronger and a reality. It's like you declare the Now as your save haven and tell all the tendencies, that want to drag you out "I will not move! I am stronger than you!". This way you are making guilt true, as something, you have to defend yourself against. You are making the threat a reality. This is another thing to consider.