"I don;t know that you can get an answer to this from a theistic perspective Tracy. You are essentially asking why a loving god would let good things happen to bad people and bad things happen to good people."

First of all, we as human buings with very limited knowledge can't see the whole picture. I can recall an incident in my life which at first I thought was a bad thing, but later it turned out to overall be a very good thing. Now imagine all the interactions of all humans.

The second reason is that of free will. imagine if everyone who focused on giving 10% of his earnings to charity became tremendously wealthy. Would giving charity then be a choice motivated by spiritual ideals, or just something that only fools wouldn't do because of the certain reward? There is much written in religious philosophy about free will. It is a fascinating topic.