I have a different understanding of karma: "Karma is a vibrational level that draws the experiences needed for healing and growth to a soul. Nothing more." I read that in a piece by DL Nemeril and I accept it as accurate. I discuss it in more detail here: https://medium.com/channspirations/revisiting-karma-and-the-law-of-attraction-997965601b65

I completely agree with you about the commercialized spirituality nonsense regarding manifesting. That is also discussed in my piece.