I believe not. Like the people who do stupid/bad stuff will eventually get what they deserve - however this is NOT karma - it is just the way the world works.
Of course you cannot always have your run of good luck (not getting what you've done come back to haunt you), due to everything in the world being random and unpredictable.
i think luck and karma are just feel good words people apply to what was gonna happen anyways-to take the edge off
Yes, that is why you are different from me and vice verse. That is why there is palpable differences between each individual, his finances, his education, his happiness etc.,
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