It takes balls to invite karma in to become your teacher, for she is strict, yet what you can gain from her lessons has infinite reward.
Whatever karma you earn these are your universal "coins" that are paid out in coincidence; pay the coin and see the dance earned.
Karma is not a function of the divine spirit, not a thing you can pray for or pray away, yet it is earned with actions. The more self honest you are, the more pure of spirit, the easier it is to gain positive karma - the sort that allows for lucky coincidences of the universe.
There are forces at work in addition to karma - evolution for one, the divine and negative spirits also. In this spiritual ecosystem there must be balance and so when one goes too far - such as to destroy creation - there will be a karmic response toward cosmic justice.
Karma is part of the workings of the universe brought by coincidence and cannot be man-inflicted.
To level up you must pass karma, be really either neural or in positive balance when you pass on. Children meet this criteria because they were never in a position to choose or change the world. Adults, however, once you are mature your cosmic scorecard begins.
Gods (sometimes called angels) are those have been eternally released from karma by virtue of their deeds, this is because their soul is trusted by the Ancient of Days to become an assistant of creation.
I'm a lucky person. Even my bad luck becomes great luck. It can turn around in a while or at times almost instantly, yet always I see the workings of karma stepping upward.