The basic idea of karma is not punishment. Karma presents the opportunity for development; to make use of opportunities that were not taken advantage of, to fill in gaps of ignorance, to enlarge understanding through experience, to do what should be done.
SethYou create your reality according to your beliefs and expectations, therefore you should examine these carefully. If you do not like some aspect of your world, then examine your own expectations.
SethTake a chance on your own abilities clearly, neither exaggerating them nor under-assessing them.
SethNow: For those of you who are lazy I can offer no hope: death will not bring you an eternal resting place. You may rest, if this is your wish, for a while. Not only must you use your abilities after death, however, but you must face up to yourself for those that you did not use during your previous existence.
SethHard work is about risk. It begins when you deal with the things that you'd rather not deal with: fear of failure, fear of standing out, fear of rejection. Hard work is about training yourself to leap over this barrier, tunnel under that barrier, drive through the other barrier. And after you've done that, to do it again the next day
Seth