i believe its more of a mindset,
you do something bad, so you are awaiting consequence, and when it comes, in any shape or form you say 'wow i shouldnt have done that bad thing! thats karma'
also, would you define karma as something directly related to a situation?
example: you steal a pair of shoes, as a result 'karma' gives you blisters on your feet. is that karma or just the fact that you have new shoes on?
or would karma be like
example: you steal a pair of shoes, your parents find your kilogram of coke under your bed (totally unrelated to the shoes) and you get grounded for a month?
0.o