This saying of the Buddha points to the incomprehensibility of the full workings of karma, especially when considered over multiple lifetimes and the intricacies of rebirth. This statement acknowledges the limit of human understanding and warns against the futility and mental unrest that comes from trying to decipher the complexities of karmic retribution in its entirety.

However, within the context of a single lifetime, it is possible to develop a comprehensive model of the cycle of karmic cause and effect by linking the second law of karma with the concept of the skandhas - the five "aggregates" that compose an individual's personality: form, sensation, perception, mental formations, and consciousness.

Here’s how the skandhas function as a signal processing chain under the influence of memory, habit, and instinct, closing the cycle of karmic cause and effect:

1. Form (Rupa) : This is the physical aspect, the "hardware" of the mental biocomputer.
2. Sensation (Vedanā) : This occurs when contact is made with a stimulus. The sensation is the initial, raw sensory data, such as sight, smell, taste, sound, or touch, which may be experienced as pleasure, pain, or neutrality before it is processed by the mind.
3. Perception (Samjna) : Following sensation, perception involves recognizing and labeling the experience. Memory and habit influence this stage, as past experiences shape how one perceives the present.
4. Mental Formations (Saṅkhāra) : This is the substrate or "operating system" of the mental biocomputer, including memory, habitual behaviors, and instinct or reflexive functioning. This is where the decision-making process is influenced by past pleasure or regret.
5. Consciousness (Vijñāna) : This processes the perceived signal, which has been conditioned by past experiences and emotions, into a coherent stream of awareness, and may develop an intention to act.

The Action (response) taken, which may be based on conscious intention or on functioning of unconscious mental formations such as instinct, reflex or habit, has an Individual Effect on oneself or others, which is not isolated: it impacts and is influenced by the broader Environmental Effect, encompassing social, political, economic, and natural aspects.

The cycle closes as these environmental effects in turn become stimuli (Contact) for oneself and others, perpetuating the karmic cycle. Every action has consequences that feed back into the system, influencing future sensations, perceptions, mental formations, and consciousness.

In this way, the skandhas, affected by memory and habit, contribute to the infinite web of cause and effect, which becomes cyclic when the effects (vipaka) return to the sender of the action (kamma). The goal in Buddhist practice is to become mindful of this process, to understand the impermanent nature of all phenomena, and to ultimately break free from the negative aspects of the cycle, achieving liberation (nirvana) - the cessation of suffering - through profound reprogramming of the mental biocomputer.