Karma has been a pop culture term for ages. But really, what the heck is it?
Karma is not an inviolate engine of cosmic punishment. Rather, it is a neutral sequence of acts, results, and consequences.
Receiving misfortune does not necessarily indicate that one has committed evil. But it is a sufficient indicator of something else.
And that something else can be anything, as long as it is a logical consequence of what has come before.
Consider: if you fall into a well, you are not a bad person who deserves to suffer—you are merely someone who took a wrong step. Or someone who had one drink too many. Or got a head rush due to poor circulation. Or forgot to wear your glasses. Or—
The reasons are plentiful, and all plausible. But the chain of cause and effect goes way, way back into the deepest hoariest recesses of your personal past.
So never rule out retribution. But never expect it.