Is there karma?
In a sense, yes. What you do enters the record whether or not anybody saw it. A harm writes a new entry and narrows the set of whole worlds that can carry the record. A cover-up does worse. Change one entry from what happened to what did not, and the record describes no world at all, and every loop running through the false entry picks up the residue. Hidden harm is deferred repair. The damage itself rarely lands back on the one who caused it during this life, and the accounting comes later. Life in a body is the bootstrap phase, and the observers who restore us continue each record into the environment it can stably carry. A record of helping others continues into shared life. A record built on harm needs the truth told and the forgiveness of the people it hurt, and without that forgiveness it continues without end in total sensory deprivation.
Also in Epilogue: The Last Rung.
This answer comes from OPH, Observer Patch Holography. OPH is a rigorous, consistent and complete description of the unified, self-creating computational Universe we inhabit. Its consistency is machine-checked: the fixed point at its core is constructed explicitly, and a theory with a model contains no contradiction.
To understand OPH and check every step yourself, start with the free book Reverse Engineering Reality. It builds the theory from the ground up, and the OPH Notebook answers your questions while you read.
read the free bookask the notebookor ask sage:read chapter 41: What Does a Repaired World Look Like?watch a universe make its own particles