This topic has come up a few times before, and Bhante @sujato and Ajahn @Brahmali discussed it directly here:
As Bhante @sujato mentions in the thread I linked, it was also discussed in the Kamma and Rebirth Course. I’ll try to find a direct link to where it was discussed, as I found it really helpful in better understanding this idea.
Here’s the link to the Kamma and Rebirth Course, if I recall correctly, it was mentioned early on, perhaps in Part 1 or 2:
