It's not just the big tragedies that lead us to assign responsibility and infer divine significance. What does it mean that we didn't get into the classes we need to graduate on time? What about that bank error in your favor? The second budget cut in the current fiscal year? The leak in your dishwasher supply line? An opportunity for extra credit? A pop quiz?
Figuring out how to maximize good fortune and buffer yourself against bad is an appropriate response to the vicissitudes of life. Assigning the responsibility for outrageous good fortune to God's favor (and therefore our righteousness) and the blame for unimaginable suffering on God's judgment (and therefore our sinfulness) -- although tempting for those in charge of mediating God's ways to man -- is theological hubris.