Life
Whether you believe in karma or not, life has its own way of paying you for your actions. A way to explain it is like science, for every action there is an equal and opposite reaction. The way that applies to life is based on the actions you do. When you do a positive action you get a positive reward. When you do a negative action you are rewarded negatively. Now, this reward may not be received immediately and it can take some time for you to get it but when it does get you it is just as hard as it should be. Like I said you can believe in karma, bad luck, or u don’t have to believe in it at all. There are still consequences to your actions though so just remember that much.