What you are characterizing is what's popularly known as "blaming the victim", which is a concept very dear to -not surprisingly- those who make a living at managing the states of people who feel victimized. "Managing states" is something ego approves of, because it keeps (every)one exiled from the knowledge of interdependant arising, which actually leads to freedom and unity. Thus, no praise, no blame. (While there is responsibility, there is no guilt trip)
The word "karma" consists of three seed syllables, and rather than fate (or any sadistic "notion") it simply (though comprehensively) denotes 'building'. So when Buddha said "I have found you, Oh builder, for *this* there shall be no more subject to becoming" he meant he'd found mind-in-consciousness that sees itself as mind: ego; this was the end of becoming.
No thought ever leaves the mind of its creator. (This can be good news! or "bad") Prior to this, He's said to have lived many lifetimes, some as animals, and accrued lots of karma.
Looked at from another prespective, some great architecture has taken several generations of craftsmen to complete. Yet no deed, thought, word is ever 'lost'. Where are the ones who built the first storey when the last is being completed?
Maybe 'the akasha' is a more appealing term? The notion of any but the Self seeking to make right (itself an illusion, but a persistent one) is what is often erroneously thought to be "karma". In other words, sometimes you can't stop (or not-stop)the stream. (as regards this story)