Ugh, this is even worse than the first Karma system. there are always at least two reasons why you would perform an action. lets set up a very typical rpg or video game scenario:
you're walking along and see a man being attacked by someone. you could:
a) fight off the attacker
b) walk away
why would you fight the attacker? it could eather be because you believe in defending the weak, or it could be because you just want to ruthlessly kill someone.
as for just walking away, it could be because you don't feel like helping someone, or you're just scared of getting into a confrontation or have more pressing matters to attend to. Or it could be to go inform a guard/ police officer of it.
no lets say that you killed/defeated the assailant and the man wants to repay you:
a)accept the money
b)refuse the offering
If you accept the money, it doesn't mean that you expect to be rewarded, you could just be a guy who's down on his luck and needs to make some money, and saving lives just so happen to be what you're good at. Or of course you could be the kind of asshole who snatches the cash from his hand and walks away without thanks.
refusing the award doesn't always mean that you're some selfless paragon of justice that shits out words of wisdom, you could just care less what the man thinks about you, or even that money has little value to you.
All morality systems in games are very shallow, and unless someone comes up with a better way to get inside the player's head instead of get the player in the character's head, I'll always see it that way.