Yes because God gives us the free will to choose our paths. Your choices whether good or bad will determine your consequences in life. I would hope that karma didn't have that much power. That would mean that I would never pay off my debt. I am a flawed person. I don't always do the right things. So thankfully we have a God that forgives us. Don't lay that guilt on yourself because you will never be able to forgive yourself for making bad choices. Let God be the judge. That is what makes us closer to God because we hand it all over to Him. He told us to be anxious for nothing but with prayer and supplication give our requests to Him. So yes, I believe in prayer. I believe we can burn past anxiety but not giving karma any traction. It doesn't deserve it. There's no healing. And yes there is such a thing as generational sins. We continue to do what we've learned in the past until we are the first ones to take a different path. If we fall we can get back up. But we don't give into it. Just like a mom who stands guard when their toddler is learning to walk. Sometimes they fall despite mom being there. Doesn't mean they will never walk or they won't sometimes feel pain and cry out. Just means they get up and try it again.I do agree everything is in Gods control 100%. But i suppose there will be certain things we will see differently because of the different paths we may follow. My belief is that everything in life is due to karmic actions, as we believe the soul travels through many life times until our karma is paid off. But by prayer and meditating on God we can burn past karma. So we may be carrying karma from actions in past lives, and sometimes the struggle can make us closer to god. Having said this, we by no means judge anyone.
Btw im giving a lesson on religion lol. Just sharing my beliefs.