Thorny problems with karma #3: charity is selfish and inconsiderate

Why should we take karmic worldviews seriously when they encourage cruelty and indifference over charity and mercy, and have produced the most backward, poverty-stricken cultures in the world?

Thorny problems with karma #2: who sets the rules?

If karma is basically a system for balancing your morally bad choices, who exactly is it that makes the moral rules you must follow?

Thorny problems with karma #1: what makes it tick?

Is karma a process which must be intelligently guided? If so, who does the guiding?