Thank you for your question! 🙂
As you know everything is already in the Drama. The “timing” is already there. Life is a journey not a “race.” The destination is “today,” which karmic-ally will make our future tomorrow.
As Baba has explained, tapasya/remembrance is a sure way to emerge sanskaras which are closer to the “original” virtues of the soul. As we emerge virtues, weaknesses go away as they get transformed and that settles karmic accounts, for episodes which used to affect us, will no longer do that. You know that you have settled a karmic account when it does not affect you anymore. In that process, you will learn different things about yourself which are needed in your spiritual growth.
As you mentioned, there is “remembrance” to be done, but at the same time “life to be lived,” both are needed at the same time for growth to happen.