Good and bad comes from moment to moment depending on our minds situation. To live well is to know the cause and effects clearly. It is not wrong that we are infronted the difficulties. It is a true wisdom. The knowledge and the wisdom are different.
Wisdom is to know the cause and effect clearly.
The wise can find the way even if they are in difficulties which come from past bad karma. So they can solve the any kinds of difficulties. The stupid put on airs. The great wise are the great stupid. Those who are very wise seem to be as very stupid.