I like Michael teaching.. but they don't highly resonate with me as much as other teacher(s)..
It's my understanding karma is a opt-in or opt-out system.. that is your choice.. if you want karma in your life, fine have at it.. if you don't, don't..
What your describing above sounds more like what one of my other teachers call.. theme/soul blueprint.. I think your confusing the idea that karma is involved in this as I'm aware it is not.. only if you opt-in