Being careful about your actions in fear of karma is certainly an ego-centric activity. I doubt whether one needs to believe in karma at all. It seems to veer toward superstition. But I think anyone can be conscious of the effects of their actions on others and can see immediately how that action will create a harmful or painfull situation for oneself. It is not theoretical at that point, but observable. This is the only level of karma I really have patience to hear about, not the theoretical superstitious force that is for all we know just a hindu myth/superstition.
Why is it that I keep doing things that are not good for me? Amma says that when we get 🔥 by a fire we experience the immediate results of that burn. That is why we choose not to put our hand in fire again. Yet usually there is a delay between our actions and their results. That is why we continue to do what is wrong for ourselves. That is y it is important to always think twice before we talk and act. The results of our actions may take place much later and we experience them from different people then we instigated the action towards.
Many people rape others kill others and torture others. They see 👀 what they r doing yet have no conscious about the act that was done. However using your logic they have no karma. It is just a superstition. Rite? There may be no justice for the abused and mistreated and there is no reward for kindness and consideration. Karma is a myth. Rite? We must recognize somehow that what we do does have its effects on ourselves. Thus we experience karma. If u choose not to believe it.....it is your prerogative. You may believe or not believe as u wish.