it really all comes down to Karma doesn't it?

Karma or "Karm"(Sanskrit: कर्म from the root kri, "to do", meaning deed) or Kamma (Pali: meaning action, effect, destiny) is a term in several eastern religions that comprises the entire cycle of cause and effect. Karma is a sum of all that an individual has done and is currently doing. The effects of those deeds actively create present and future experiences, thus making one responsible for one's own life. In religions that incorporate reincarnation, karma extends through one's present life and all past and future lives as well.