What I mean by bad luck are health conditions that people are born with , people shot whilst going to school, etc that throws the whole karmic explanation into question. A karmic record that carries over (and I hate to use this word because it is a mainly Christian hangup/Invention) 'Sins' from a previous life, and punish people for them in this. For me Death should be the great leveler and the idea of second chances, forgiveness and heaven etc has been the excuse for incredible debauchery and barbarity among the religious for millennia.
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