If you learn finances,
And grow rich
Thats karma.
If you look after the environment, other lifeforms on Earth, others and society in general... that's karma of feeling less separate from others, or karma of responsibility, care, or duty.
If you let people walk all over you because you're compassionate you just separated yourself from others, now you have karma of separation and self hatred, also karma or letting others gain bad karma without stopping them.
If life after life you choose "reality" over dreams, then maybe in some life you lose everything and become bedridden because you subconsciously looked for a way out of your patterns and now you get to lie in bed and learn to paint because it was your childhood dream. So karma of past momentum of habit patterns and karma of unfulfilled desires.
Breathing is karma.
Eating is karma.
All is karma
Coming here is karma, going to other lokas is karma.
Some teach ways to transcend/end karma others teach grace. Same realization, different methods.