The gradual unfoldment of good brings in its train love, generosity, and peace. The good sanskaras deposited by the manifestations of these qualities overlap and balance the opposite bad sanskaras of lust, greed, and anger.
When there is an exact balancing and overlapping of good and bad sanskaras, there is at once a termination of both types and the precipitation of consciousness from a state of bondage to a state of Freedom.
The credit and debit sides must be exactly equal to each other if the account is to be closed. But usually either the debit side is greater or the credit side is greater, and the account is kept running. It can be closed only when the two sides balance each other.
In the field of sanskaras such balance is a rare happening because at any particular time, either the good or bad sanskaras are predominant.
Just as the account can be kept running by an excess on either the debit or credit side, the life of the limited self is prolonged and sustained through the excess of either bad or good sanskaras.
The limited self can linger through good as well as bad sanskaras. What is required for its final extinction is an exact balancing and overlapping of the bad and good sanskaras.
-Extracted from the Discourses, 7th Ed, p63