4 corrected spellings
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It is because, even if we pay for some of our deeds, we have numerous other reactions of psatpast life still in pending to be experienced. So even if our karmic account of this life stays clean, to balance out our past actions we have to take birth again unless we clear them out some way in the present life.

Unfathomable is the depth of accounting of Karma (gahanā karmaṇo gatiḥ- BG 4.17BG 4.17). It's implications are beyond comprehension. But I hope this answers the two questions you have asked.

It is because, even if we pay for some of our deeds, we have numerous other reactions of psat life still in pending to be experienced. So even if our karmic account of this life stays clean, to balance out our past actions we have to take birth again unless we clear them out some way in the present life.

Unfathomable is the depth of accounting of Karma (gahanā karmaṇo gatiḥ- BG 4.17). It's implications are beyond comprehension. But I hope this answers the two questions you have asked.

It is because, even if we pay for some of our deeds, we have numerous other reactions of past life still in pending to be experienced. So even if our karmic account of this life stays clean, to balance out our past actions we have to take birth again unless we clear them out some way in the present life.

Unfathomable is the depth of accounting of Karma (gahanā karmaṇo gatiḥ- BG 4.17). It's implications are beyond comprehension. But I hope this answers the two questions you have asked.

3 Some cleanup and improvement to answer. Needs a little more enhancement. "Sin" is inaccurate word with discussing karma. Good, bad, happy, sad, breathing, eating - everything accumulate karma.
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To know why we have to reborn even ifthough we pay for our sinsunderwent & experienced some karmic outcome in the same life we need to understand the three types of Karma, viz. sanchita or arjita(accumulated/stored/preserved), prārabdha(preordained/ripe) and kriyamāna or āgama (accumulating/ongoing/current):

3.Kriyamāna Karma or Agami Karma

Unfathomable is the depth of accounting of Karma goes very deep (gahanā karmaṇo gatiḥ- BG 4.17). Hence, understanding all itsIt's implications becomes difficult and complexare beyond comprehension. But I hope this answers the two questions you have asked.

To know why we have to reborn even if we pay for our sins in the same life we need to understand the three types of Karma, viz. sanchita or arjita(stored/preserved), prārabdha(preordained) and kriyamāna or āgama (accumulating):

3.Kriyamāna Karma

Karma goes very deep (gahanā karmaṇo gatiḥ- BG 4.17). Hence, understanding all its implications becomes difficult and complex. But I hope this answers the two questions you have asked.

To know why we have to reborn even though we underwent & experienced some karmic outcome in the same life we need to understand the three types of Karma, viz. sanchita or arjita(accumulated/stored/preserved), prārabdha(preordained/ripe) and kriyamāna or āgama (accumulating/ongoing/current):

3.Kriyamāna Karma or Agami Karma

Unfathomable is the depth of accounting of Karma (gahanā karmaṇo gatiḥ- BG 4.17). It's implications are beyond comprehension. But I hope this answers the two questions you have asked.

2 added 196 characters in body
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To know why we have to reborn even if we pay for our sins in the same life we need to understand the three types of Karma, vizviz. Sanchitasanchita or arjita(stored/preserved), Prarabdhaprārabdha(preordained) and Kriyamanakriyamāna or āgama (accumulating). :

prārabdhāgāmyarjitāni karmatrayamitīritam [Varah Up. - 12]
Prārabdha, āgami and arjita, these are the three karmas.

1.Sanchita Karma

1.Sanchita Karma

2.Prarabdha Karma

2.Prārabdha Karma

3.Kriyamana Karma

3.Kriyamāna Karma

Because a jivatmajivatma is not only expereiencingexperiencing reactions to his past life actions (like sudden accident, winning of lottery, etc.) but also engaged in newnewer ones, all his present life actions get accumulated and known as Kriyamana Karmakriyamana karma. These karmas will either yield result in the presentsame life or if they do not get experienced then they will get stored up as Sanchita Karmasanchita karma to influence the future lives of the jivatma.

 

Now that we know these three types of Karma, the answers to your questions can be understood easily:

If we pay for our sins in the same life, then why do we reincarnate?

This question indeed suggests the fact that Karma of past life do affect the present life. For example, sometimes even good persons face accidents, misfortune etc. and some bad people, even though engaged in bad actions, move freely. This happens all because of Prarabdha Karmaprarabdha karma. If a person has in his prarabdhaprarabdha to face accident, then doesn't matter how good he is in his present life, he will certainly face it to balance out his past life action. Similarly, if a person has in Prarabdhaprarabdha to enjoy a luxurious life, then he will certainly do so even if he does bad actions.

To know why we have to reborn if we pay for our sins in the same life we need to understand the three types of Karma, viz. Sanchita(stored/preserved), Prarabdha(preordained) and Kriyamana (accumulating).

1.Sanchita Karma

2.Prarabdha Karma

3.Kriyamana Karma

Because a jivatma is not only expereiencing reactions to his past actions (like sudden accident, winning of lottery, etc.) but also engaged in new ones, all his present life actions get accumulated and known as Kriyamana Karma. These karmas will either yield result in the present life or if they do not get experienced then they will get stored up as Sanchita Karma to influence the future lives of the jivatma.

Now that we know these, the answers to your questions can be understood easily:

If we pay for our sins in the same life, why do we reincarnate?

This question indeed suggests the fact that Karma of past life do affect the present life. For example, sometimes even good persons face accidents, misfortune etc. and some bad people, even though engaged in bad actions, move freely. This happens all because of Prarabdha Karma. If a person has in his prarabdha to face accident, then doesn't matter how good he is in his present life, he will certainly face it to balance out his past life action. Similarly, if a person has in Prarabdha to enjoy luxurious life, then he will certainly do so even if he does bad actions.

To know why we have to reborn even if we pay for our sins in the same life we need to understand the three types of Karma, viz. sanchita or arjita(stored/preserved), prārabdha(preordained) and kriyamāna or āgama (accumulating):

prārabdhāgāmyarjitāni karmatrayamitīritam [Varah Up. - 12]
Prārabdha, āgami and arjita, these are the three karmas.

1.Sanchita Karma

2.Prārabdha Karma

3.Kriyamāna Karma

Because a jivatma is not only experiencing reactions to his past life actions (like sudden accident, winning of lottery, etc.) but also engaged in newer ones, all his present life actions get accumulated and known as kriyamana karma. These karmas will either yield result in the same life or if they do not get experienced then they will get stored up as sanchita karma to influence the future lives of the jivatma.

 

Now that we know these three types of Karma, the answers to your questions can be understood easily:

If we pay for our sins in the same life, then why do we reincarnate?

This question indeed suggests the fact that Karma of past life do affect the present life. For example, sometimes even good persons face accidents, misfortune etc. and some bad people, even though engaged in bad actions, move freely. This happens all because of prarabdha karma. If a person has in his prarabdha to face accident, then doesn't matter how good he is in his present life, he will certainly face it to balance out his past life action. Similarly, if a person has in prarabdha to enjoy a luxurious life, then he will certainly do so even if he does bad actions.

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