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Since so many are asking:
Yes, Karen is actually in a death loop, and yes her mother and the ancestors before her did as well. Her bloodline was cursed. The death loop only stops when they find their true love, and it passes on to the next generation. The curse in specific is that the women of Karen's bloodline must experience a total of 10,000 deaths and then the curse will vanish.
Karen's mother's true love is not her husband, but Karen