I believe no matter how good you are or how bad you are there will be both sunshine and rain in your life.
A person who has never stolen anything in their life may have their car stolen or home broken into. Is that Karma?
It's human nature to attempt to explain why bad things happen to us.
Several years ago the actor Marlon Brando was discussing the suicide of his daughter.
He said: "The messenger of misery stopped by my house today."
The reality is all of us are going to be visited by misery and painful experiences if we live long enough. There will be failed relationships, heartache, deaths of loved ones, loss of jobs, financial strain, and sometimes we will be victimized by others along the way.
Instead of believing in karma or "what goes around comes around" I believe "Everyone gets their turn." You just learn to ride the waves.
No one lives a life that is filled with only sunshine and rainbows!