If you’re an ssshole don’t you come back as an insect or animal? That would mean rich folks would have to do actual good to avoid that. Whatever their policies, after the first few trust fund dung beetles and assorted other multi-lifetime embarrassments, they’d probably snap out of it.
Hey check out the cockroach yacht club guys! Lol, how did that forced birth + soul tracking debt thing work out for you!?
Then like half their debtors would achieve nervana and fuck off to heaven or whatever.
I think the kharma religions, this would take care of itself.