Curses are psychic violence. Like physical violence, they can be expressed with destructive hatred and rage, or with a calm mind - not to be confused with a cold and calculating one. I have been a target most of my life, which is why I moved from minding my own business with esoteric (awareness based) alchemy, yoga and other forms of cultivation, to getting into congress with entities and archetypes.
Traditions of contemplation often emphasize protection, and they don't restrict it to just some defensive energy that reflects everything. Sometimes that doesn't work. Sometimes you run into people who glorify their psychic bullying. How much harassment can one take, how much insanity, ill fortune, abandonment and suffering can someone take for the sake of a morality and conception of justice that only applies to people with a conscience?
When one is cursed, often the reason behind it is to suck the victim dry of fortune, life, talent and anything positive. This all goes to make the life of the monster aggressor a justification for more cursing. By the time I got around to justifying my guilty conscience, lots of damage had been done, and by quite a few people, relatives, friends and online acquaintances.
People are cowards to a great degree. They will not expose themselves to treating someone ill when they know it will be unpleasant for them. With psychic stuff, you can strike without physical exposure, and the brings out the inner tyrant in some folks. So those who are squeamish, the law of karma works when you facilitate it. Otherwise, I don't care if someone gets it in thirty years and a whole lot of suffering after the fact.
So when do I resort to such things?
The less second-guessing the better, and the less delay and letting it happen the better. Personally, I get into the headspace of the cursing agent, which can be done if you are a target, even if the identity is concealed. So I perceive or sense the motive. If the intent is to do me in, or just unbridled hatred, envy, or whatever doesn't fly as an excuse, then I usually resort to a relevant Sanskrit mantra.
For me, curses cannot be thrown without hatred. And wanting to survive is not hatred. Outrage, yes, but hatred feeds on suffering and destruction. Even though I have taken pains to learn all these things to protect myself, part of the learning was releasing hatred so my emotions regarding an attack are those of my natural right to live in peace.
This is all exacerbated if one is especially sensitive esoterically enough to actually sense the motive of a person, and much of the time it is a form of psychic devouring and dumping the waste products of negativity generated elsewhere or within the person to the suckers they target.
Granted, in my case, nasty occultists were in my family (a centuries old hereditary coven of power hungry psychic matrons, among others). The reason curses go back on the one casting them is because the victim will repurpose the energy. It is not automatic. That happens when the negative individual is not supported by a collective that thinks the same or is conditioned to do so.
Ultimately, I want to emphasize that I cannot curse. Instead, I navigate my life, so I do not go to a place where despair and hatred will fill me. It is humbling to realize your limitations, but it isn't weakness. Instead of some nebulous guarantee, we are challenged to be strong enough to build what I call a healthy psychic immune system to make the afflictions projected by others (or the entities they send) overcome like a minor cold.
I will not give people who use psychic means to harm, outside of self-defense, the benefit of the doubt. That is because, after forty years of cultivation, I can feel them. I do not have time to treat the neuroses of harmful psychics (occultists or whatever), because sometimes it is not a misunderstanding, it is not a mistake, it is not a mood that led to impulsive action. It is a person who would easily do the most horrible things, if they only were certain they could get away with it.
That does not excuse being trigger-happy.
For example, there was a well-known author, and still is, who was into angel magic and grimoires and charged candles. He got into a debate with a respected practitioner and scholar of Quimbanda (an Afro-Latin religion), and ended up insulting the man's faith and magic.
At the end of the day, those who do magic and/or cultivation are exposed to other sensitive humans (many of which are psychopaths), as well as non-physical entities. You don't see them, but eventually the patterns of ups and downs and the patterns of events come into alignment. And sometimes one can see that voices of guilt are coming from the psychic abuser.
Furthermore, my relations with most deities (under and over-world) ranges from cordial and respectful to loving and joyful. The entities projected with curses are either repurposed natural energies and archetypes like death and decay, or possessed and corrupted spirit entities. For example, the Balkan ladies that liked to curse people in the old days worshiped an aspect of Hecate, the goddess of witches.
Getting on good terms with the goddess helps to turn the curse around.
But that is a topic for a different thread.