It would be good if we could answer that because it would make life in this world so much easier to understand. We wouldn't have people walking around in a daze for months and years, trying to make sense of all that there is. Maybe people could heal and move on in their lives more easily if we all knew and understood the answer to why do bad things happen to good people.
Some may explain it with one way or another and that might work for them as individuals, but it most likely would not work for everyone. Even though your answer for yourself makes you feel better, if it isn't replicated to all humans, does it truly work. Of course, I realize that sometimes we need to put a soothing balm on an open wound to help ease the pain. It doesn't mean that this soothing balm is what heals though.