SAMSKARA

Vivaaha samskara (marriage ceremony) is performed at the time of marriage.

The antyeshti samskaras (Final rites) are performed at the time of death.

In the example of our virtual bank with virtual currency, you can take these samskaras as initiation incentives contributed to you by the society to help you do dharmic karmas in your life. 

Many regard Hinduism as being synonymous with working for enlightnment.

The meditations, the tapas, the yogas the mantras; all leading to moksha.

The path to  enlightenment does not relieve you of the virtual bank of samskar. You are still bound by the law of karma and as Buddha will say:

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