1. Our own wrongdoings
2. The wrongdoings of others
3. The physical imperfections of mortality and the world around us.
4. God throws stuff our way.

I don't think items #1 and #2 always specifically happen out of a greater purpose, per se, but are necessarily part of the plan.

Items #3 and #4 are essentially foreordained things given to try us.

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Indy Coug is a pro-Crowton bully, The Original Anti-Anti-Crowton Garyite and Supreme Excuse Maker.

Pay homage to the carrot! ¡Viva El Zanahoria!