Your karma is your own bookkeeping.
The teaching declines to blame parents, society or God. The Master may take on some of the burden of an initiate; the account stays in the initiate's name.
Eckankar's ethics rest on karma and reincarnation and are unusually blunt about the implication: the circumstances you are in were arranged by you, and looking for someone to hold responsible wastes the incarnation. The Mahanta is said to take on some of an initiate's karmic burden, but the teaching resists the idea that anyone else can clear the account. Members find this bracing; critics note that a doctrine assigning every outcome to the individual is not well equipped to name an institution's failures, which is a criticism made of several movements on this list.
The same ground, other faiths
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