What you think and say of others comes back to be done of you. You write your own record.
>If the experience is used for self-indulgence, self-aggrandizement, or self-exaltation, the entity does so to its own undoing, and creates for itself that which has been called karma and which must be met. And in meeting every error, every trail, every temptation, whether they may be mental or physical experiences, the approach to it should always be in the attitude of: “Not my will, but Thine, O God, be done in and through me.”
-Edgar Cayce gave this reading to counsel for taking proper attitude towards karma.
>"And the entity laughed at those who were crippled in the arena and lo! That selfsame thing returns to you!"
-This reading was given to a woman who was crippled with infantile paralysis and couldn't walk.
This doesn't mean you should live in fear of penalty, for that would be as bad as if you were inflicting harm on yourself. But you should live every day treating others with the reminder that what you do unto them, you do unto your God.