Countless people have been devastated for reasons that cannot be explained or justified in spiritual terms. To do as you are asking (why would god do this?) creates a false hierarchy of the blessed and the damned. To use our individual good or bad luck as a litmus test to determine whether or not god exists constructs an illogical dichotomy that reduces our capacity for compassion. It implies a pious quid pro quo that defies history, reality, ethics, and reason.3
