The 5 samavayas are not the main road to moksha but to bring about an understanding of the process.It is swabhav=nature,kaal=time,karma=karma vargagana or action of mind,speech and body,niyati=fate(what has to happen must happen),purusharth=effort.For any event to take place these five should be present,may be in different permutation ,combinations.For E.g.A mango tree,it is its nature to produce mangoes,cannot produce coconuts,if sapling is planted it takes time factor to bear fruits 3 to 5 years,cannot expect all mangoes to be sweet or rotten,some be good or bad,it is its karmas,if struck by lightning,or earthquake,it is its fate,though we plant it has to make its own efforts to grow by consuming water and nutrients from the soil,but we in general ignore these contributions and out of ego say i planted the tree.Without being cynical ones efforts are 20% right?But is one making effort to maximum 20%?another e.g. is that of a pebble on sea shore which was a big stone once upon a time.Now it has got a smooth and round shape ,may be it did not wish for,but due to the constant lashing of the waves it got its shape,similarly undergoing several birth and death cycles will reach nirvana.