Part I: Theism (Saguna Brahman = God or the Lord)

A. God creates according to karma. (The Lord is just.)

B. Karma reflect people's own choices and actions.

(Thus we have an Eastern "free will defense.")

Part II: Metaphysical Illusionism

Question: What about "in the beginning," before people made their own karma?

Answer: There is no beginning of spiritual ignorance.

(The Lord, karma, rebirth, and so on are notions belonging to the realm of spiritual ignorance, and have no relevance to the mystical state where Brahman -- the Nirguna Brahman (Brahman without qualities) -- is known.)