I think it's all a matter of perspective. Humans are incredibly concerned with themselves, naturally, so when something bad happens that affects a human, they see it as the universe conspiring against them. So when a tree happens to fall through someone's house, we wonder about the meaning of life and ask questions about why such things happen.
However, imagine you're watching an ant colony, and a dog runs up and knocks it over, destroying generations of work and killing scores of ants in the process. We may experience a moment of smiling compassion, but we don't regard the incident as particularly tragic in the grand scheme of things.
Why do we look for universal explanations when humans are affected, but not ants? The simple answer is that we care much more about humans than we do about ants, and in our hubris, we believe that bad things could never happen to humans without some great, evil reason behind it.
It takes humility to accept that we are not the center of the universe, and that "bad" things are simply things we didn't expect or didn't prepare for properly, which happened to affect our livelihoods negatively. There is no overarching reason per se, just as there is no reason our dog destroyed the ant colony. The ants just didn't know that would happen, or weren't prepared.
Or perhaps it's because they hadn't been to church the Sunday previous. :-)
SNG