What do we have to realise in the incidents of physical attack or accidents?

[Ms. Bhanu Samykya asked: Swāmi, when we face some problems for example, physical attack or accidents, all we can infer is that "I have done a bad karma in the past and God had already reduced the intensity as much as he can". But, problems usually come to reform the soul only and not as revenge from God. Hence, what do we have to understand in such cases where we cannot realise where we have to change ourselves by looking at the accident?  Do we have to analyse anything in those situations to reform ourselves or should we just leave them thinking that one of our bad karma has ended?]

Swāmi Replied:- Your question is giving 90% of the answer. Any damage must be viewed as the punishment of some specific sin indicating the need of reformation for the soul. If one leaves the accident thinking that it is the punishment of some bad sin, what is the use of even such punishment? One must recognise the need of the reformation after undergoing any punishment. The very aim of the punishment is to make the soul realise the need of reformation and not mere revenge like tit for tat.