Long time no see ?
Whatever I am going to write here is based solely on what I have read and whatever little I have observed
IMHO , there is no simple or one-size-fits-all answer possible for the question you are asking.
Destiny and free-will are inter-linked and there is no distinct dividing line from the eyes of a layperson like us.
Similary I believe Karma is just karma , good and bad are the labels we attach to them because they cause us inconvenience or happiness as the case may be.
Because there are almost always two parties involved in a karma , I feel it is not possible to say whose good or bad karma any action is. And then if you start thinking deeper , anything that you feel is good might turn out to be bad eventually and vice versa..and this loop is endless.
I feel the only way to understand life is to look at it like a fixed deposit
I hope I made some sense in the rant above
Let's also wait for contributions from seniors ... they would be able to explain this better.
Thanks and regards,
Spidey



