If there is going to be "good" there has to be bad. Actually I'm not sure even that is bad, the survivors likely come out as stronger people, it's called "short term pain for long term gain." Have you ever known anyone who was born with a silver spoon in his/her mouth and was catered to on a regular basis? I have. Almost without exception they are not very nice people- for one thing they are pretty well useless in the practical sense, they largely have no work ethic, they mostly whine all the time and someone else is always to blame for their misfortunes. That's what generally happens when life is too easy. Adversity builds character. Having been born with a brain (most of us that is) we do have a certain amount of control over our destiny.
I'd have said that there are very few certain answers, those that are certain tend to be fairly trivial, and we know a lot of stuff happens that we don't have explanations for, but that doesn't mean there aren't any. A deity concerned with trends rather than individuals is quite a different character from the one promoted by the major monotheisms, and seems to me no more likely to exist than any other one. What's concerning me here is what's variously called the Problem of Evil and Theodicy, the attempt to reconcile the putative nature of the Abrahamic deity with the existence of evil and suffering, which has exercised philosophers and theologians for centuries, without resolution. And as I said, if you abandon the claim that there is such a deity, the problem goes away too.
