That's a great mindset to experience peace.

My take on Karma: Whatever comes to me is the result of my past action. How I respond to it becomes the cause for next. If I had not send out bad vibes to anyone in the past, I wouldn't have received it in the present. Now that I am receiving it, let me change that negativity and send them love, and peace to settle this Karmic account. Forever.

This one gives me peace and makes me avoid indulging with anyone.