Now that's a lot more fun than coincidence, because the conflict is now not just an accident, but the result of this character's need for vengeance over justice. Conflict is the fuel that powers the plot and forces the characters into action. Problem is, conflict is volatile, and many of us avoid it in our plotting as we avoid it in our lives. But just as children need discipline to grow, characters need adversity to change. And fiction is, at base, about change.
Popular fiction is usually about change in the protagonist.
Much of this derives from a misunderstanding of the purpose of structure. Learning structure can teach you when to modify it and when to branch out on your own. Ideally, the protagonist should be involved in nearly every event, and his decisions and actions should drive the plot. You might make a list of all the major plot events, and beside each note the protagonist's contribution. Know your character, and you'll figure out your plot.