That's the key trait that everyone misses.
The next life. Which is after reincarnation. I am not freaking wrong, dork, I grew up as a Lutheran and Buddhist. My Mother is a Buddhist.
Also, there's no guarantees that you get "rewarded or punished", by
our (western) values of reward and punishment. As good and bad is an ever changing POV and not a physical condition.
Reward is learning and knowing. Punishment is continued ignorance. Suffering is needed for both.
Enlightenment is the goal. The ultimate reward is complete enlightenment. It's not good luck, or money, or fame, or getting laid, because you were nice to someone earlier in the day. that's what Americans think Karma is.
Americans use it in a Christian view of a magical arbitrator (like a God or leprechaun or Saata Claus) that punishes bad acts with bad things and rewards good actions with material things.. Who's to say what is good and bad? (see story below for a view of Eastern culture and thought that you sorely need). What is important is acting correctly regardless of which pov you choose.
Here's your cultural lesson. The reason you don't understand how wrong you are, is because you don't understand the culture of the religion or the people. Time for some enlightenment. btw - knowledge is the greatest gift one can give to another. So, learn something.