As we travel through this life, we must take responsibility for our actions. Karma states this quite clearly, that there is a reaction to whatever we do - an outcome. It is classic cause and effect, illustrated in the saying "what goes around, comes around". Some people, however, believe that whatever happens to them is a result of the universe ganging up on them, and that they are somehow being punished, or indeed that this is unjust.
Karma is long-term, and the "Golden Rule" principle of something state like this "do unto others as you would have them do to you". This is fundamental in every walk of life. In fact, it is not the action or deed which attracts the karma. Rather, it is the emotional state that led to the action which does the damage. "Behaviour Breeds Behaviour",
Good things come to those who wait - but bad things are often of your own doing.