For example, say you are sitting on a flight, simply sitting in your seat, and as other passengers pass by you while boarding the flight, you observe your thoughts. For each passenger that passes you will be busy making judgements and passing thoughts. See how active your mind is!
We go on forming our own opinions, and they generally fall into three buckets: likes, dislikes and neutral. When you like or dislike something, it creates vibrations and they settle in your inner system. When we remain unaffected, we are neutral towards all that is happening around us, this is akin to the state enjoyed by the lotus in muddy water!
Q: Oh really?
Daaji: Yes. The vibrations of likes and dislikes will hit only one particular geographical coordinate on your body: point C. Now, if the likes or dislikes are of a lustful nature, then those vibrations will settle at point B. All sensual things or aversion towards them will settle at B. Similarly, if you would like to possess a television or you really want a 5-bedroom house, the pull of worldly things creates vibrations that will settle at point A.
If you feel guilty, such vibrations will gravitate towards point D and settle there. Guilt is the worst, so when you do something that makes you feel guilty, just make a firm resolve not to repeat the same mistake, and that should put an end to it. The more you think about it, the more point D becomes denser and grosser.
In this region, all the qualities that Ashtavakra talks about settle here: Kshama, Arjava, Daya, Santosham and Satyam. Now when these qualities are there, it automatically produces the state of Mumukshu and those vibrations are felt at the atma chakra, the point of peace.
Now, suppose because of situations at work, home, etc., a person is not content, it upsets his peace, and repeated occurrences disturb the heart that in turn affect the next point, which is the atma chakra. Further intensification of loss of peace releases vibrations that will settle at point 3, where he will feel emotionally drained resulting in anger. Further, when the third point is saturated with certain feelings like anger that then mutate into fear, those vibrations will settle at point 4. That fear in turn affects the next point, number 5, where he compromises his ability to discriminate. When he loses the ability to discriminate, he remains in illusion and thus the 5th point is affected. When the person remains in illusion and cannot discriminate he loses the discriminative faculty and starts sowing the seeds of his own destruction.
You see, in the Bhagavad Gita, Lord Krishna talks about how the lack of fulfilment of desires leads to lack of peace, which creates anger, and that leads to fear and finally a loss of the discriminative capacity (viveka).