What makes karma a major problem for people is their inability to deal with it, to recognize their own responsibility for it, and to do something about it. Most people blame their problems on other people or on circumstances: it was their upbringing, the fact that their parents did not love them, or got divorced, or left them wanting, or that their husband left them, or did not leave them. All these experiences are shed onto someone else, but of course it is all to do with karma, our own responsibility.