Natural karma is just if you act within the laws of nature, like gravity. Don't walk off a cliff if you don't want to be hurt. In human behavior of interaction, only others can apply karmic consequences, it doesn't happen on it's own.
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@krnel I totally agree with u:) human is the only creature made by almighty who has the ability to think!! So we are responsible for our own karma!! Rest all creatures can't be judged by their good or bad karma.