Isn’t karma the same with destiny?

Ιsn’t karma the same with destiny? Is there anything else? What about the pattern of life? Oh no… additional headache!
How can we not make matters worse? Someone states: I do not believe in karma. And almost immediately after he talks about the lessons of life you have to learn. Why in God’s name, does my neighbor collect all the comfortable experiences, and I am left with the ones that rip me to pieces?