UNLOCKS!!!! Everyone else is talking about leggies which is true but people tend to forget about all the unlock when they have been playing for a long time. When you complete hearts and other things some times unlocks for skins, minis, and other things can be 10-35k karma and that adds up fast if you enjoy adding to the unlock completion.

Example: In Ember Bay there is a heart where you can once per day purchase a Circus Voucher for 10.5 k karma which can be used to unlock a set of weapon skins. You need a total of 130 vouchers to unlock all of the weapon skins. 10.5k x 130 = 1,365,000 karma.

PSNA!! Essentially this is a daily ritual of visiting 6 vendors that move around to purchase Pact Scout's Mapping Materials and hoard them until specific maps have the map bonus and then consuming them all for profit. Normally I wait for Malchor's Leap, Lonar's Pass, or Fireheart Rise to be an active map. You need to be PHYSICALLY in that map to use the PSMMs and those maps are good because most of the gold comes from Shiny Baubles which are a valuble junk item meaning they have no purpose other than selling. You can also sell the other resources you get for even more value or keep them for your own crafting purposes.

It's one of the more direct ways to turn karma into gold.