I 110% agree, Ocean.
I guess ''karma'' offers a bit more fancy complexity to ''heaven and hell'' because you can invoke multiple lives. You can always talk your way around an issue if you invoke karma. Don't know the answer for your spirituality exam? Just write down karma, it's the answer to all questions.
Reminds me of this
https://www.youtube.com/watch?v=2kArCRjT29w 