[Video]
I can't speak to your world, but on mine there's so many gods out there with their own agendas. Some are helpful to humanity, some want to destroy it, others probably don't care. But none I've found are quite willing to get directly involved without their own price.
With all the other hell dimensions trying to get into Earth, the Powers That Be who do care are probably tied up with what they need to do keep things from becoming literally hell. Thus usually they rely on others to help do what they can when and wherever things come up.
I can't say that's the same way on your world, but that's my experience at least.
As for why bad things happen to good people...they happen to everyone. It doesn't mean you're a bad person.