Acharya Prashant explains that the consequences of one's actions, or the fruits of karma, are subtle rather than physical or material. He clarifies that there is no guarantee that a bad person will face material loss or physical suffering, nor is it certain that a good person will enjoy wealth and long life. Material outcomes like money, health, and physical safety are gross phenomena and do not necessarily reflect a person's moral character. For instance, a person involved in the cruel business of animal slaughter might remain physically fit and wealthy, while a virtuous person might face poverty or early death. Therefore, one should not look for divine punishment in the form of natural disasters like earthquakes or floods, as these events do not selectively target the wicked.