Your are correct in so far as you discuss karma from the western misunderstanding of what karma means. Karma does not mean what goes around comes around so when you discuss it from that standpoint you correctly state that it does not exist. Karma is like a bank account--when we act with good intent we get deposits and when we act with bad intent there are withdrawals. The account is not balanced to zero with good or bad things happening to us. Rather, we carry that account with us back to heaven where we undergo life review and then penance through soul work or paying karmic debt through facing obstacles in our next lives are decided upon. This article by Infinitians is the best and most complete and accurate I have read on karma, https://medium.com/illumination/the-american-political-system-is-broken-beyond-repair-2adc9fbd7dc6, and perhaps I shouldn't have tainted you by my discussion of my belief in reincarnation. https://medium.com/illumination-curated/life-is-school-for-the-soul-9b081dbe8453