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Nobody is doing anything. There is only One Doer. Sat Kartar acts through us. But the catch is that each soul carries the karmas and samskars from previous incarnation and this incarnation is to work on paying those karmas and erasing those samskars. Therefore we have a corridor of travel through the life that is designed to allow us to understand and pay our karmic debts. Nothing is good or bad except that thinking makes it so.

Here's a video on this subject: "Do Bad Things Happen in God's Will?"