This question came up in the Online 10-day Retreat Nov 3, 2020, guided by Delson Armstrong. Day 6 was part of a daily 30-minute discussion on the suttas, the Dhamma talk and reflections.
Slightly edited to improve readability
It’s always starting at the point of Formations.
From the Formations all the way to Feeling, all of that you should consider to be old Kamma; things that are the inherited effects of choices you made in the past. And then from craving onwards, after you perceive it to be personal, after you have the perception that this is personal and identify with it, the craving then builds into clinging. That clinging creates more of the accumulated tendencies, which creates a sense of being. This being is what strengthens the fetters of conceit and the Projection of Being.
Every time there is a strong sense of being, it strengthens the fetter of being and conceit within the Formations that are being influenced by the Projection of Being, the craving for being or craving for non-being. Likewise when you take personal sensory experiences, that creates a feedback loop that strengthens the fetters of sensual craving within the Formations that are being influenced by the Projection of sensual craving. As you continue doing this, it also strengthens the ignorance. Which is that you lose sight of what’s going on, and you lose sight of the four Noble Truths and of understanding how this entire process works.