Karma is sometimes considered punitive, a matter of getting one’s just desserts. This is accurate enough, but it is much more illuminating to consider karma an educative force whose purpose is to teach the individual to act in harmony with dharma – not to pursue selfish interests at the expense of others, but to contribute to life and consider the welfare of the whole.
Okay, after years of confusion, I think I have finally gotten my head wrapped around karma and it is beautiful. Almost a necessary part of life!