I definitely feel that karma is a decent description of what goes on... ready for a silly example? You can laugh, but I've seen its effects often....
When I commute to and from Queens to Manhattan, it's not fun. The trains are crowded, people are pissy, the buses can be slow... but I always try to approach things calmly. I can't control if the train is delayed, or crowded, I can only control my reactions to such things. If I see someone struggling with a stroller, I almost always stop to help them get up/down the stairs, even if it means missing my train. Why not? Unless I'm going to be actually late, which I try not to do as it would affect others negatively (not cool to be late!).
And I find that when I take things in stride, and don't "rail against the inhumanity of it all"... things go so much more smoothly. The bus that's not always available when I get off the train, is magically there most days that I help someone. The train comes right when I need it. Yes, I know things feel more smooth just by being calmer, but still!
So there you go. Karma in everyday life.