O youth or young man, who fancy that you are neglected by the gods, know that if you become worse, you shall go to worse souls, or if better to the better... In every succession of life and death, you will do and suffer what like may fitly suffer at the hands of like. This is the justice of heaven.
We are the makers of our own lives. There is no such thing as fate. Our lives are the result of our previous actions, our karma, and it naturally flows that, having been ourselves the makers of our karma, we must also be able to unmake it.
The way of presentation is different according to each religion. In theistic religions like Buddhism, Buddhist values are incorporated. In nontheistic religions, like some types of ancient Indian thought, the law of karma applies. If you do something good, you get a good result. Now, what we need is a way to educate nonbelievers. These nonbelievers may be critical of all religions, but they should be decent at heart.
I am the owner of my actions, heir to my actions, born of my actions, related through my actions, and have my actions as my arbitrator. Whatever I do, for good or for evil, to that I will fall heir.
From the scientific view, the theory of karma may be a metaphysical assumption -- but it is no more so than the assumption that all of life is material and originated out of pure chance