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Cliffs: Disabled the plugin, deleted cache, dropped all karma tables, removed user > QnA references, removed $Configuration['Plugins']['KarmaBank'] references from config.php, added 1 simple rule (eg every 1 discussion award 1 karma), set starting balance to 0, enabled plugin, when users log-in (w/o opening a new discussion/comment) their balance shows 1 (there are exceptions: >1 or 0).
Vanilla: 126.96.36.199 (I know I need to update for security)
Theme: Dark Mist
Other Plugins of interest: Consolidate
Any help would be greatly appreciated, thanks!