Not sure what people think karma is, but it is just cause-and-effect. That's it. Nothing mysterious. You count on it for everything you do - if you didn't think there would be an effect you wouldn't do anything. The big problem is when you think there won't be a result when you do something, or you have the wrong idea about what the results will be, like scamming millions and thinking that you won't eventually end up in a cell getting the crap rammed out of you. There are more subtle karmic considerations but that would be lost on most people in this forum.