Karma are lessons
That's the description of it that resonates with me at least
If a Saint or Master is incarnated, they are in a unique position to know that what happens to their ego or body is not the True Self
They have no more "lessons to learn", they are already in a state of Oneness, beyond Matter and Mind, which we might experience occasionally while meditating or during some other transcendental moment/state, briefly...
The lessons of Karma are our greatest gifts in a Life I think. The times when everything is "exactly how we want it", only teaches us sleep and, probably, that there is always more the Mind will want...
Art; some of us have been fortunate in life to have been slowed down in life a lot. It was like a hand of blessing that showed how foolish we have been. It is much better to have this disciplining hand that was put up and slowed all our movements then to go on chasing after endless desires; Somewhat like most of the bees never satisfied with one flower; this life is forever addictive. Some of us, by grace, are wrenched out of this poisonous addiction.