In the comics, the Punisher isn't simply heartless. His actions are a result of his traumatic past and a determination to fight crime by any means necessary. It's a mix of passion and a warped sense of morality.
I don't think there was a character named Karen in Punisher comics. Usually, the main characters and well-known ones are pretty distinct, and I haven't come across a Karen in this series.
Not always. While the MCU draws inspiration from the comics, there are often changes and adaptations made to fit the cinematic universe and modern audiences.