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Well there's the rub. You can't write off situations like that with 'sh*t happens' and then subscribe to a belief that dictates good deeds are rewarded and bad deeds are given payback.
I agree when you're calling it Karma. Mere mortals have no control with illness accidents etc.However I believe there is Karma with regard to happiness and good things within 'human' control.....................if someone is 'nice' and puts out good things - in our earthly life - I do think it comes back!