It’s a common misconception in Buddhism that EVERYTHING that happens is because of Kamma/Karma. The Buddha never said this.
Now it’s quite clear that kamma has an exclusive role in how you are born( you can see mn 135/136 for that), but once you are born there is a whole web of things that affect what happens to you in life, kamma being one of them to a greater or lesser extent.
You can read the short sutta here to help with this – https://suttacentral.net/sn36.21/en/sujato :
“Master Gotama, there are some ascetics and brahmins who have this doctrine and view: ‘Everything this individual experiences—pleasurable, painful, or neutral—is because of past deeds.’ What does Master Gotama say about this?”
“Sīvaka, some feelings stem from bile disorders. You can know this from your own personal experience, and it is generally agreed to be true. Since this is so, the ascetics and brahmins whose view is that everything an individual experiences is because of past deeds go beyond personal experience and beyond what is generally agreed to be true. So those ascetics and brahmins are wrong, I say.Some feelings stem from phlegm disorders … wind disorders … their conjunction … change in weather … not taking care of yourself … overexertion … Some feelings are the result of past deeds. You can know this from your own personal experience, and it is generally agreed to be true. Since this is so, the ascetics and brahmins whose view is that everything an individual experiences is because of past deeds go beyond personal experience and beyond what is generally agreed to be true. So those ascetics and brahmins are wrong, I say.”“Bile, phlegm, and wind,their conjunction, and the weather,not taking care of yourself, overexertion,
and the result of deeds is the eighth.”
The long and short of it is, what is happening to you now is a mix of your own actions, plus environmental, social, genetics, evolution etc etc. but what is the most important is how you respond and act in response to that situation, as you create your future right now in the present moment.