Karma works it-self out in this life on earth,that doing good eventually brings you closer to feeling good. There is a conscious effort to push yourself outside the norm, or your normal instincts, can sometimes have a deep spiritual effect. Part of the karmic responsibility is to be aware of the possibility of going in other directions than the ones you would easily fall back on such as laziness or maybe some basic instinct. The idea of wanting to overcome that is my idea and vision of karma.
Buddhist believe, in the law of Karma, the natural law of cause and effect. Whatever external casual conditions someone comes across in subsequent lives result from accumulation of that individuals actions in previous lives. What you sow is what you reap and you are creating in your future by every thought, word and action. Things go out and then they return. You never know when they are going to return sometimes good things come back to you, sometimes bad. If we want a better future, we can achieve it by our present actions, thoughts and words. Things will visit us that we have set in motion in the past, in the past in this life and the past in other lives. Repercussions in life good or bad is something we can not do anything about. A world of kindness, compassion, charity to strangers, we get those same attributes radiated back to us as we emphasize our good qualities karma is at the very heart of the universe, but divine grace can intervene.
The idea of our actions having consequences is the only thing that makes sense. Things that you do in life come back in life, but sometimes they come back in the next also. There is a famous saying "No good deed goes unpunished" is also true. The worst thing to do is to lend a friend money. You would like to do it but from then on colors of the relationship are never the same, not in your eyes but theirs. They are beholding and no one like to be beholding. Even if they pay you back it sometimes alters things. Not being a partnership of equals. If the boot was on the other foot it would be the same, it is the flip side of karma.
One is responsible to the creator for our actions on earth.