I should believe that He knows better than we do what is best for us. You are pretty much on your own between the moment of your birth and that of your death. After that, you have to go through the cash line and you will be told how much you owe. If not, it's back to work until you have enough money to go through the cash line. I might add that prayer and religion is not an insurance policy against sickness, war, terrorism, death, a bad marriage, ungrateful children.
Prayer is only a two-way means of communicating, sort of a cosmic telephone, nothing else.
Personally, I think the interactions between the spiritual and physical world goes far deeper than any of us realize or can imagine. Only God knows the reasons for the things that happen on earth. My mind is too limited to figure it out. Someday I hope to get all the answers to my questions, and I have a long list of those. I'm a little confused about your topic.