You present a very interesting theory on how Karma works on the material body on birth in a random manner, thereby negating reincarnation concept as well as the concept of Jeevathma.
How do you then account for the documented evidences of the remembrances of past births, around the world?
If i may be allowed to say something on this, sir, am of opinion past births and origin of our thoughts are real. Karma is real and can present itself in random events.
I think, while the idea of 'Jeevatma' may be flawed, there seems to be scientific reason to believe that 'something' is carried in the physical world, such as mind, that is different from the substance of the 'Original' and this propagates the physical existence.
The 'Adhyasa' is then the mind, which in the first place is 'real', identifies with the body, rather than with the 'Original' stuff, which creates the issue of superimposition.
I take a view opposite to yours. What perishes is the body at death, but not the subtle mind, and what we call as 'consciousness' is a quantum representation of mind, while at each 'rebirth' the mind when it acquires a body, has to unwittingly acquire the 'Original' substance, without realizing that it itself is made of that substance.
My view is null is the original yet, though a null, it has in it to be what it becomes. Like stem cells which are unconditioned, yet they have it in them to be.
Since the null is the
tattva to be; (here tattva means reality); its identification with the body is not divergent or superimposed, or an illusory maya, instead it is part of the null or part of the original (not superimposed). Meaning, existence is self-propagatory, perpetual, whether life forms exist or not.
The null may be null for matter but may have in it something undefined which makes it resultant in existentialism. If i maybe foolish enough, i might think it is anti-matter, but seriously, i don't know. All i understand is the null remains null, yet is existential (that is, pertains to existence).
Also, the perpetual consciousness is existential. The consciousness exhibits itself as jeeva in life forms and for want of a better word is called
intelligence, such that nature self-creates, self-destructs, (ie, experiments itself) through random events; so the path of an electron around the nucleus of an atom came to exist. Consciousness is not substance. Though a null undefined by itself, Consciousness has its
tattva (reality) within substance.
Also, in my view there is no locus of avidya. I think avidya is merely not understanding what is real. And in that sense, maya would be an illusion which creates the idea that everything is an illusion, when in reality there is no such thing as an illusion.
Addition:
Additionally, we need to note sir, the concept of maya is non-vedic, from shramana traditions.
Maya, the understanding of which may have constituted wisdom, was associated with asura, in terms of being asuri maya; until prajapati got elevated in power and came to own it in the brahmanas (texts); possibly indicating a friction between asuras and devas such that after their diversification, in the period of brahmanas, the asuric concept, associated with might and power, was absorbed into the brahmana compositions.
Post-absorption the concept continued in the aranyakas and consequentially in the upanishads, however, the context of maya being originally
associated not with illusion but with the mystery of life and death, may have been confounding to the vedic speakers (here, vedic speakers refer not to the samhita period, but to those who created the brahmanical sacrifices in the period of composition of the brahmanas) . Attempts to reconcile the non-vedic maya with vedic samhitas may not have been successful. The vedic samhitas propound no theory of rebirth (atleast the Rig does not as Sangom sir has described). There may be no vedic texts to support maya with regard to brahman. Especially when maya was converted to mean illusion.
Perhaps the politics of those times, between the vedic speakers and others, also caused the asuric concept turned into something else; such that it is not supported in its original intent, but got relegated into illusion. And yet it was absorbed in a way in vedic scriptures, such that it finds appeal within their own (vedic) concepts. Now after having defined it as illusion, perhaps, the vedic speakers do not know what is its relationship to brahman; or how it should relate to brahman.
Please note my view of maya is not illusion. It is reality and, existence, with respect to life and rebirth and consequentially deals with existentialism. There may be no vedic scriptures supporting this view. The view neither supports Buddhist nor Jain concept of karma. Call it Asuric if you will.