This is how with the help of a channeling that DL Nemeril posted, I have come to understand karma. DL wrote in her https://medium.com/spirit-alchemy/your-soul-knows-why-youre-here-fab15a32045f,

"we would like to add that we do not agree with karma meaning you have to ‘pay’ for what you did in another lifetime. That is a very human perception, of life being a court system meting out reward and punishment. Karma is a vibrational level that draws the experiences needed for healing and growth to a soul. Nothing more."

I then extrapoloted that into a proper understanding of the "law of attraction,"

"I realized after reading DL’s guides’ thoughts on karma that the law of attraction describes the vibrational pulls of our soul contracts, not what we humans consciously or subconsciously emit."