That’s right and I still kinda don’t believe in it in the way that it is some “cause and effect” / “action and reaction” type of thing.
My latest theory on what “karma” is that it is a disagreement, a dissonance, an incongruency within one’s own Conscious and Subconscious Mind and the Subconscious Minds of other beings involved.
I am using the term here in assuming this underlying mechanics of “incongruency and disagreement inside a person’s Subconscious Mind and related to the Subconscious Minds of others”.
Kind of an “open unpaid subconsicous bills” type of thing.
For the disagreement and incongruence to be settled, all involved parties with their Subconscious Minds AND their Conscious Minds must come to the agreement that the bills are now paid in full or no longer relevant.
That is why I have used the term in " " here. I think it is simpler for most people to understand it this way than the “open bills between Subconscious Minds” model that I just explained.