1) You are right wasp, and similar beings dont have much choice, whatever they do they are mistly dictated by nature and they have to act accordingly. That is why there is no karma for them. They cannot create any karma or 'sin' BUT they can suffer the reactions of the bad karma they have done in past life (in a species when they actually had the intelligence to differentiate between right and wrong).

A crude example: A man torturing a caterpillar for fun, may have to take birth in a life of caterpillar and endure the same pain, either by a human or different species.

Karma does not negate biology, karma is a law which acts on 'subtler' platform than gross law of biology. pleaseure and suffering decided according to law of karma is manifested by biology(through chance and probabilities)!

Thanks for such wonderful questions, am open to more.