I get very bent out of shape when people start taking very complex issues from very complex shiurim out of context, simplify it, and post it in a short paragraph looking for enlightenment. And based on your next couple of posts and some background info on Rabbi Mizrachi, I really have to doubt your sincerity in even starting this thread.
The shiur is on a topic that is obviously not easily understood and not for everyone. Your portrayal of a neshamas past nisyonos to be a reason to treat a person differently in this life is even more astounding. Even ridiculous. How do people make such a leap?! It is so far from the point he made.
When someone abuses money in one life and he comes back poor in the next life you can call it a punishment, but I learned it as an opportunity to change, make a tikkun, complete your tafkid with an easier “set up”. Is the second person “suffering” because of the previous life? Sure. But why is that punitive in a childish or vengeful manner? Why isn’t it an opportunity to complete your life without the nisyonos that you werent able to pass? Would you prefer going back to this world with the exact same nisyonos and abilities knowing you may fail again? It is a chessed. And if that “doesn’t work” for you, perhaps bringing it to a mechaneches or mashgiach would be more appropriate. Talking about these types of things in this type of forum sounds about as reasonable as paskining thru email.
I call troll.