So, what I can gather here, is that I may have the karma to be harmed by negativity, be it ghosts or wrathful pujas, I can still change that at the dire moments. So, if I feel that I am being harmed, then I can approach daily matters in a dharmic way which can and will change the karma from that point on? Does actions like giving food to homeless, beggars, stray dogs and cats count?
Then, if I continue to do more dharma I can gather positive karma. From there, I can have the good karma to do purification practice to further enhance the positive energy.
So, basic actions like helping a dharma centre or doing work to help others, done with a good motivation of helping them without any expectations of returns counts towards dharmic actions, capable of changing the karma and turning back negative energies?
OK, guess if that is how it works, then I answered my earlier question. Monks holding their vows purely cannot be harmed as they hold very dharmic thoughts in their mind and evil cannot find anything negative to latch on.