It's a cold uncaring universe.
There is no karma.
There is no big warm fuzzy God to make sure you never stumble and fall.
Bad things happen to good and bad people all the time.
People waste an inordinate amount of time trying to rationalize why good things happen to bad people and vice versa. Bad things happen to good people either by accident or by foolish naive choices. Good things happen to bad people by theft, deceit, etc.