There is other solution to this. Spend perkpoints to the 'Lucky Bastard' perk and this will mostly eliminate the negative karma effects. My opinion it's better way than breaking the default mechanics of the game. Karma can be refill relative easily with the 'Make a mod' and the 'Support Lifeplay on PatreonTry editing the Stat in:
LifePlay - > Content -> Modules -> vin_Base -> Stats -> Longterm - > Karma.lpstat
Think if you change the stat minimum to 100, shouldn't* go below that.
In the same place you can add a daily change to add however much karma you want at the start of a new day.
Have not tested this, I cruise around with negative Karma all the time
Just know that you need to save/copy the file elsewhere, because everytime you update, your changes will be overwritten.
Meanwhile in the last hour I wrote a little cheatmod what's gives you perkpoints.
I hope life(play) will be easier with using this