The idea of karma has been greatly misunderstood.

My understanding after reading the Tibetan book of the dead was that karma wasn’t about reward, justice or punishment but a quality that keeps a person from “seeing” / experiencing and so stuck.  To a large extent we see what we expect to see/experience.  Forgive us our failings as we forgive those who fail us is not a suggestion but a truth.  In the book of the dead karma keeps a person stuck in the cycle of death and rebirth. A person capable of “seeing” beyond suffering and pain…. can end the cycle.

You might apply such concepts to the afterlife however symbolic language suggest that we experience the cycle of death and rebirth in every breath we take. Such teaching is common in all wisdom traditions if one has the eyes to see and ear’s to hear.

Sorry have to run