Why Bad Things Happen to Good People

If bad things happened only to people who did bad things and good things happened when you did good things, it would impede your free will. You would not choose the right thing for its rightness, but for your own comfort. This is also why God isn't more visible in this world. You know He's always watching you, but if you find a wallet, it's easier to take the money in it (if that's what's in your heart) with the abstract concept of being watched than if a burning bush appeared before you and said, "Just pretend I'm not here."
I'm glad i figured this out before my kids got old enough to ask.