In the modern word, people also have similar questions. There are some who have never stolen things, killed or hurt anyone; rather, they have kept their vows and practiced virtue. Yet, they often seems to be less fortune than others in many aspects. Such cases tend to make people wonder, " If karma was true, why should good people run into bad luck?". Lay practitioners who do not have in-depth knowledge of karma or fully understand the viewpoints of Abhidharma-kosha-shastra may ask the same question. Some would even say, " I have attended many pujas and read some many scriptures. I should not have to suffer this or that illness or misfortune." This is wrong view. The fact is that all the virtuous actions committed have been store in our alaya consciousness. It is due to the relevant conditions not yet matured that karma derived from those actions has not come to fruition. 

~Depicted from FROM BELIEVERS TO BODHISSATTVAS