Why does God "allow" bad things?

Why does God "allow" bad things to happen to "good people"? 1) Permissive will vs. Perfect will - God may allow something, even though He knows it won't work out because you won't listen. 2) Rain happens to EVERYONE - there is a "balance" of good and bad events for everyone to help develop our character and because bad abides in this world. 3) God's grace and mercy has kept us from things that we may have deserved (etc. car accidents). Good things happen to people who don't even believe too - WHY? 4) Fate/chance/opportunity happens to us ALL - the universe shifts to let things happen. Right place/Wrong place vs Right time/Wrong time. 5) Life's lessons - You'll will see moments (teachable things) - it's God's way of saying "I told you". But He will HOLD YOU UP when you return. Let's chat....