I think in the case of Bad Karma that it can be generated by an individual unconsciously or subconsciously without even realizing it. I have seen this before. Many times. I have seen co-workers in the office who nobody seems to like. and that person can't seem to figure out why. And the way they see the world when you listen to what they say is very one-sided and they seem incapable of seeing themselves. I have seen that a lot. so in that case I think the person unknowingly is continuing to generate bad energy and bad vibrations and Bad Karma. Now this can happen from deep-seated issues that have not come to the surface. Perhaps they were abused in their childhood and it has not come to the surface of Consciousness all the way because it would be too painful to realize. So subconsciously they are being manipulated by certain developmental abnormalities and the world is perceiving this and that person is done being treated accordingly by the world. This is a sad case. But it is all too common.
So it might not be any kind of magical or religious concept that a kind of God is wielding or not. It might just simply come down to a person who is in denial either consciously or semi consciously or even completely unconscious of the way they affect others and then they will forever be generating this negative kind of feedback loop and never be able to understand what is happening and how it is happening.
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