It is impossible to acquire Self-Knowledge or Brahma Gnana or Atma Gnana, for those who have the firm conviction that, the experience of birth , life , death and the world as reality.

If one thinks Advaitic truth on non-dualistic is the ultimate truth, then one has to drop all theories based on the waking entity   or as self, because Advaitic or non-dualistic  truth is based on the formless soul, which is the innermost  self. 

By accepting karma theory one is  accepting the false self, as real self, and world as reality, therefore, there is no need for self-inquiry “Who am ‘I’ “, because one has  accepted the present physical identity and world as reality.  Self-inquiry makes one realize the fact that self is not the body. After knowing the fact that,  self is not the body, then it is erroneous to think again as the body as self, and holding the body based theories as reality.  Thus karma theory becomes a biggest obstacle in the path of inquiry and truth, because it does not allow the seeker to cross the threshold of duality.

  The physical body and the world which exist only in waking or dream or duality are impermanent and illusory in nature, because they appear and disappear as mind. The soul which is the formless substance and witness of the duality is permanent. Therefore, whatever is seen known and believed and experienced as real within the waking also is as real as dream.

Adi Sankaracharya says in Aparokshanubhuti:-

   88. When the whole universe, movable and immovable, is known to be Atman, and thus the existence of everything else is negated, where is then any room to say that the body is Atman?

   89. O enlightened one, pass your time always contemplating on Atman while you are experiencing all the results of Prarabdha; for it ill becomes you to feel distressed.

   90. The theory one hears of from the scripture, that Prarabdha does not lose its hold upon one even after the origination of the knowledge of Atman, is now being refuted.

   91. After the origination of the knowledge of Reality, Prarabdha verily ceases to exist, inasmuch as the body and the like become non-existent; just as a dream does not exist on waking.

   92. That Karma which is done in a previous life is known as Prarabdha (which produces the present life). But such Karma cannot take the place of Prarabdha (for a man of knowledge), as he has no other birth (being free from ego).

   93. Just as the body in a dream is superimposed (and therefore illusory), so is also this body. How could there be any birth of the superimposed (body), and in the absence of birth (of the body) where is the room for that (i.e., Prarabdha) at all ?

   94. The Vedanta texts declare ignorance to be verily the material (cause) of the phenomenal world just as earth is of a jar. That (ignorance) being destroyed, where can the universe subsist ?

   95. Just as a person out of confusion perceives only the snake leaving aside the rope, so does an ignorant person see only the phenomenal world without knowing the reality?

   96. The real nature of the rope being known, the appearance of the snake no longer persists; so the substratum being known, the phenomenal world disappears completely.

   97. The body also being within the phenomenal world (and therefore unreal), how could Prarabdha exist ? It is, therefore, for the understanding of the ignorant alone that the Shruti speaks of Prarabdha.

   98. “And all the actions of a man perish when he realizes that (Atman) which is both the higher and the lower”. Here the clear use of the plural by the Shruti is to negate Prarabdha as well.

   99. If the ignorant still arbitrarily maintain this, they will not only involve themselves into two absurdities but will also run the risk of forgoing the Vedantic conclusion. So one should accept those Shrutis alone from which proceeds true knowledge.

The above indicates that, the karma is reality only on the base of false self, where one thinks body and the universes as reality. When one becomes aware of the fact that, the true self is formless soul, then the karma becomes part and parcel of illusion.   My point is that, if one accepts the karma theory as reality, he will never be able to come out of the ignorance. And ignorance makes him believe the cycle of birth, life and death as reality.  Thus the freedom which one is seeking will remain distant dream. It is impossible to acquire Self-Knowledge  or  Brahma Gnana or Atma Gnana,  for those  who  have the firm conviction that,  the experience of  birth , life ,  death and the world  as reality.