You've missed the point, but I see your criticism. The point is the reifying of a process into something distinct form the physical entity that undergoes that process. That some people actually believe that that something exists is irrelevant, and very silly.
"What karma actually is we do not know but perhaps it's an amalgamation of our sense of justice loosely compacted into a human like form?"
"What Santa Claus actually is we do not know but perhaps it's an amalgamation of generosity loosely compacted into a human like form?"
"What Jack Fost actually is we do not know but perhaps it's an amalgamation of general winter discomfort loosely compacted into a human like form?"
"What the Grim Reaper actually is we do not know but perhaps it's an amalgamation of the act of dying loosely compacted into a human like form?"
"What original sin actually is we do not know but perhaps it's an amalgamation of catholic guilt loosely compacted into a human like form?"
"What god actually is we do not know but perhaps it's an amalgamation of awe before the universe loosely compacted into a human like form?"
"What FSM actually is we do not know but perhaps it's an amalgamation of tastiness loosely compacted into a pasta like form?
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