The problem is that life is complex not simple. There are many reasons why things do or do not happen. At some point we all are faced with difficult choices with no clear answers. Very often we make these decisions under some level of duress and/or with imperfect information or unclear guidelines. Life does just happen sometimes and navigating it can be as much of an art as a science.
What defines a life is how we deal with the unexpected. Adversity and challenge will rise up and confront us all, sometimes when we LEAST expect it. We will feel that we did everything right and still things didn’t work out. What then? Bad things do happen to good people.