This summary is not the rule. The rule text controls.
If you want to challenge an old court judgment because something unfair happened, you usually file a motion under Rule 60.02. But this rule says you're not limited to that option. You can also file a whole new lawsuit (called an "independent action") asking a court to set aside or change a judgment, if there are fair and just reasons to do so.
However, there's a catch. You can't use this new lawsuit as a backup plan if you already tried and failed to get relief through a Rule 60.02 motion. You also can't use it to get around the strict time limits that apply to Rule 60.02 motions. In other words, if your request would have been too late or was already turned down under the regular motion process, filing a separate lawsuit won't give you a second chance.
This rule basically closes a loophole. It stops people from using a new lawsuit as a way to dodge the deadlines or rules that apply to the standard motion process, while still leaving the door open for genuine cases where fairness truly requires the court to step in.