I think it works approximately for the individual. I mean, plonk some negative stuff on a child, and you will often get consequences later in life, for example, they might treat people badly. (However, they might not, so it's not predictive). However, this other stuff is unwarranted, going from life to life. As Udayana said, it's all quantum entanglement and action at a distance, with a liberal helping of astral travelling. I'm free!