My life is NOT a Fairytale!!!

I don't understand why life is always so hard! Why do bad things happen to good people? I think I live a fairly decent, honest life, but bad things always happen to us. Some people say they believe in Karma. I don't! IF Karma exsisted, then what's my problem? My girls both have diabetes and I have one son in the grave. I have never harmed anyone, so why us???? I wish I had answers for such deep questions.