I would say that karma is related to luck and intelligence as well. I do agree to some extent with the "[Jerks] make enemies. " which I believe it means a cause and effect thing, however as Orwell points out, some people get away with their acts.
Orwell wrote:
As to karma in general, it is obviously superstitious nonsense.
well, from a Christian perspective, there is the concept of Hell and Heaven, and also, supposedly, people who would believe in karma would try to behave better to avoid bad karma, given that fear seems to be the greatest motivator for people to do or not to do things.
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?Everything is perfect in the universe - even your desire to improve it.?