I have come to understand that while karma does play a role in our lives and throughout our Earth experience which may well encompass as many as 8 time 32 life aspects to be finally integrated into the one.
Thus we net out from perhaps 256 full life experiences. Pretty hard to take any particular experience as problematic..
Karma then becomes convenient book keeping to allow communication regarding goals.
“The Principle of Karma requires that the experiences of the individual being, based on his actions during the lifetime, are imprinted in the subtle body, which will therefore have to possess some organized structure of fine matter as mental state within it, and will accordingly be impelled to move to specific locations for rebirth. The principle of Karma is fundamentally based on this very concept that the deeds of today shape the future events for man – the most intelligent of beings is gifted with the discriminating ability in addition to the instinctive habits that all other creatures possess.” – Paramahamsa Tewari (source)