House fire

I woke up this morning to find my house was in flames.

I ran outside screaming, "HELP! HELP! MY HOUSE IS ON FIRE! WHY IS THIS HAPPENING TO ME?"

My neighbour, matches in hand, said, "Karma"

Spoiler:

So I took a deep breath, and said gently, "Help, help, my house is on fire, why is this happening to me?"