It does not really matter much if you have good karma or not. I have known for years that ethics and morals and personality and actions are nothing but games. And still I failed. Still I clung onto my ego. I felt sick and bored and I could not break through.
Faith is key.
You can't go wrong. And surely I DID understand. I just wasn't able to do it. I began practising meditation. I was not conscious of the fact that I was meditating, but I was.