How do Buddhists that think of karma figuratively do so about rebirth?
I think of karma, seeds of karma, and fruits of karma as individual's action, latent effects of such action, and individual experience resulting from past action, correspondingly. Nothing more, nothing less. I don't read any unscientific mumbo-jumbo into these concepts, purely cause-and-effect.
I think of rebirth as a type of karmic process that spans multiple lifetimes. An action is performed in one life, its seeds remain latent after death, then in another life the effects of those actions influence, shape, and configure individual's background, environment, and therefore personality, in a certain way. Nothing more, nothing less. I don't read any unscientific mumbo-jumbo into these concepts, purely cause-and-effect.