Everything Happens For a Reason

Yes, it does. But the reasons have nothing to do with your predetermined fate. You walk into a building, it explodes, and you lose your limbs. The reason it exploded was because someone planted a bomb in it. The reason you lost your limbs was because you were too close to the bomb. This had nothing to do with luck or happening for a reason. It wasn't even random. That was a hypothetical situation in case you were someone who walked into a bombed building and lost your limbs. 

I'm kind of tired of the saying, not because it's redundant, but because it's a cop out of people dealing with the shitty hand they've been dealt in life. It should be replaced with, first, taking responsibility for your own actions and, second, preventing it from happening in the future. Stop passing the buck. No one owes you anything, least of all some creator who obviously doesn't like you if you think they brought something bad upon you. They had no hand in making your life miserable; your life just sucks.  

This happened for a reason. The reason was that 

God magically planted a driver who didn't know 

what they were doing or wasn't paying attention.