A human form is first created in the mother's womb and the ten months period of conception just role by;
With the birth of a son the whole family rejoices. The days of fun and frolic of his childhood and infancy just pass with everyone 'enjoying his pranks.
He then studies, marries and gets entangled in the enjoyments of youth, looking after his business and other mundane worldly affairs.
He thus spends his life involved in worldly affairs. As a result, the interest on all his bad deeds and subtle impressions of past birth increases. And so he leaves for his abode in.-the other world without acquiring initiation/consecration at the hands o