It's easy to attach agency to Karma just like everything else, as has been already said there are consequences to our actions. If we treat people well, we mostly get treated well, if we treat people badly eventually that will catch up with us.
There is agency, just the agency is the reaction of other people and not a supernatural world organising things so we get treated badly.
There is agency, just the agency is the reaction of other people and not a supernatural world organising things so we get treated badly.
'Those who ask a lot of questions may seem stupid, but those who don't ask questions stay stupid'