The situation also can be viewed on other ways.
For example there some folks who believe that, we as human beings are the product of our own actions.
So, whatever happens in ur life, you are the causal agency. Your life perceptions, values, beliefs, awarenesses and acting accordingly might be a reason for what have happened.
If that is so, when we are encountered by those calamities, we should clear up our level of awareness, perceptions, values and beliefs in order to correlate with the reality.
Sometimes, most of the problems and disappointments we face are caused by our resisting to the realities which are incorrelated with our level of awarenesses at that moment.