Karma, or the sum of one’s actions, is part of a story people tell themselves.
“Car won’t start, must be bad karma for not doing the dishes.”
The universe is not conspiring against you. It is not tracking your deeds with a balance sheet. The cosmic scales don’t tip with your actions.
Bad karma comes to people making both good and bad choices. Yet, the “bad” things that happen to us are for us. If handled correctly, can lead to growth. The same can be said for the “good” ones.
It’s not karma. It is part of being a person existing in a world where things happen.