Hmm. I don't see karma as having anything to do with morality, nor as some cosmic mechanism by which 'right' and 'wrong' are perpetually re-balanced like a checkbook. Rather, karma seems to me to be simply the effect of one or more causes - which is useful to pay attention to because it helps us understand and take responsibility for how our choices influence our experience of the world over time.
I see karma as not something supernatural, or some conscious entity but instead it is the word we apply to a phenomenon. It describes the thing that we all go through when our inner feelings of remorse come out due to our personal suffering. We make the connection that isn't there. In our own suffering we remember any suffering we caused others and this is a phenomenon that I call karma.