I have had one instance of karma loss. Some model had died and had her remains tossed into a dumpster and burned, and lots of people were making snotty comments. I said one thing, and apparently some mod was getting frustrated and started going from mere deletions to full-on suspensions. Guess which side of the frustration line I was on?
I wasn't given the opportunity to appeal my suspension. I lost the karma, couldn't post for a week, and wanted nothing more than swift, brutal revenge on whichever mod decided to white knight the model.