If you're in a river, it is flowing and exerting force on you, and you on it. You can follow the course of the river, or swim to shore, or drown yourself in it. Just because the universe appears to have "guiding forces", that does not mean there is a diety spewing the river out of his tear ducts. However, it would seem to be evidence in favor of there being a river, because the force of the river's flow has an observable effect.
Likewise, the universe, while not seemingly babysat by an all-watching God that enforces morality, does not seem to be devoid of morality, probably because nasty things which cause death and destruction aren't good for the species, and it's kind of hard to spread your seed when you keep murdering your offspring. Evil seems to be naturally self-defeating. Either that or you eventually tick off enough people that they take care of you the hard way. And thus, morality is naturally selected for.
However, the observance of "guiding forces" such as these, which in my opinion are simply natural consequences, no more leads to the conclusion of the existence of God than it leads to the conclusion of the existence of The Great 17-headed Pink Dragon.
There's a bit of a leap in logic between:
A) The universe is here, we don't know how it got there exactly, and it seems orderly and with conflicting forces.
and
B) The universe was made by the god Jehovah who simply spoke it into existence, worked for six days making it, then rested, then apparently made it again but in a different order, created man who walked with the dinosaurs but then made the dinosaurs go away, and then created evidence that the dinosaurs lived for millions of years when it was really just a few days, and then later told his followers to say things that contradicted one another, and yet was all considered infallible. Also, he made whoopie with a middle eastern woman while she was asleep (omg raep) and she gave birth to the SON OF GOD who the people later killed because seriously we can't have sons of god running around and stuff. And that cleansed mankind of our sins, because we murdered God's son. Therefore, we are good people now. Then later on, God will kill people with fire and there will be an epic showdown between the armies of heaven and hell, live on pay-per-view.
You see, B doesn't necessarily follow from A. I'm not sure what kind of magic mushrooms one would have to be on to have B follow from anything, actually. If that really is the nature of the universe, then someone was drunk when they were writing the script.
Long story short, one can have beliefs about the universe that don't involve God.
Depends on what you mean by Karma. If you believe that on the whole, good actions lead to greater rewards, and evil acts will lead to suffering both internal and external, then that is entirely possible without a deity.
If you mean there is an unseen intelligence at work bringing justice to the universe (a thing I have yet to find any evidence of) then that is just another name for a supernatural external being/force/intelligence in charge of everything, another kind of caretaker god. I would categorize that as theism.
If the universe is a boat floating down the river of time, the
atheist believes that there's no one steering, and that the river wasn't necessarily created out of dragon's tears. He also believes that just because you can't prove it WASN'T created out of dragon's tears, that doesn't mean that it was. An atheist believes that's false reasoning. I also can't prove it wasn't created last tuesday, but made to look exactly like a universe that is many billions of years old. That doesn't mean it was created last tuesday.
If the universe is a boat floating down the river of time, many
theists I have spoken to seem to believe that not only did a dragon cry tears and make the river (where did the dragon come from?) but that there IS an invisible captain steering the ship, and that we are heading directly for a waterfall where 99% of the people on board the ship will certainly die, and the dragon knew that when he started crying, and those who die WILL be burnt by his fire-breath forever, but the dragon still loves you as long as you believe in his dragon eggs. That, or a similar mythology. Frighteningly similar, in fact. Quite scary if you haven't heard it a thousand times before.
I don't know where the river came from, and I don't know where it is going, and I don't pretend to. If the river came from a crying dragon, and the rest of that story is also true, then the dragon seems a bit sadistic and cruel to his creations, especially when the source of all doubt comes directly from the dragon who allowed free will and skepticism to exist. One might liken this caretaker deity to a parent who tells their child that Santa Claus exists, and then scolds them for believing it.
We are shown from birth certain things about the universe which are factual and easy to understand. We are then told very outlandish, contradictory things about supernatural beings from a myriad of religious sources. Apparently, to believe the wrong thing is to burn forever, and to believe nothing is to burn forever. Now if we trust our senses and our rational minds, which were granted to us by this unseen caretaker, and it leads us to the wrong conclusion, and we are then punished for it ETERNALLY and cruelly, then that caretaker is not a caretaker, but a bully with a magnifying glass burning ants and laughing about it.
I simply don't believe the universe, cruel as it is, is cruel enough to contain a God.