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Perhaps some yissurim are a kapara for that individual person. But I do not believe that every single time someone gets sick, has an accident,loses a job or all his money, or R”L dies, that it was because of davka something that specific person did. Maybe sometimes it is, but not always, as plenty of wonderful people who are YAREI ELOKIM have miserable lives. We believe that even cutting one’s finger is a siman from Shamayim. But perhaps it is because of someone ELSE’S misdeeds, that such actions bring about the presence of evil in the world, and some of us are collateral damage when onesh is being meted out.