Good post. Cause and effect, indeed. But no, there is no "magical force" keeping a cosmic ledger that will get you to reap something in another alleged life, lol. The karmic force to have us reap what we sow, is others in a moral sense, and simply cause and effect law of existence in terms of hurting ourselves or making mistakes that bite us without anyone having to do anything to us.
RE: Karma… Without the Mysticism.