That may be a speculation on our part (reg. the heartless portion). It may be that karma theory offers the best consolation for the loss, don't you think?
I prefer you call me by my name Renuka or Renu..that makes us feel closer.
I still do not agree that Karma theory offers the best consolation for the loss becos then humans wont be motivated to reach out and help others when internally well feel "oh..they must have sinned no wonder they suffered" and be judgmental about loss of lives and suffering and subconsciously some might feel they are having a better Karma than others not knowing that death could strike anytime in anyway.
That way if we resort to Karma theory..then when we are sick do not seek treatment..we should just die cos its our Karma to fall sick..may be in the past birth we used disinfectant and killed a bacteria so this birth the bacteria attacked us..so let it attack its our Karma to suffer..do not use antibiotics!LOL
If we are born poor..let us wallow in poverty..do not study or try to improve ourselves cos we could incur the wrath of God for not allowing Karma to make us remain poor!LOL
Then we should not do pariharams or even pray to God when we are in distress cos that again is against the Karma theory..if we are meant to suffer..learn to suffer more!LOL
See how illogical it can get if we try to justify anything with Karma?
I am not against Karma theory but all I can say is we have no idea how the heck it works..so the best is to lead life with love and compassion and help ever,hurt never and judge never ever!