Nicely put! Yes, it is approaching that concept, but I think a lot of people imagine karma as something that is more outside of ourselves. Similar to the concept of god, who sees everything from above, making it something that happens TO us and not THROUGH us. Underestimating how much our own awareness of us (who we are, what we do, ALL of it) contributes to how our life unfolds, and how we feel about ourselves, deep inside.
In that sense, whether it is karma, or god, or whatever other concept, they all help externalize something, and through that, all these concepts contribute to the pushing away of our own responsibility. And I don't mean that in any tedious sense, like an obligation, but in the most beautiful possible sense.