In this way one develops an inadequate view of the real world, and the first problem is that this inadequate perception of reality dictates erroneous behavior that makes one end up as another miserable creature trapped in a framework of conditioning.
The second problem is that you yourself accumulate bad karma in your subconscious mind, which in reality may not be such. But you believe in it, and thus program yourself to pay back in the future for this bad personal karma in the form of illnesses, accidents and just an unhappy life.
The karma coaching field will set things straight in your head. You will begin to see things in their true light, and more clearly understand what is best for you, without resorting to the opinion of authorities and society. You will stop subconsciously programming punishments for yourself, and quite possibly change your destiny in the future to something better than what it is programmed by you now.