Or there IS a God and we are paying for some of our MANY sins .. 
You can call that God, if you want to, but following a series of causes and effects doesn’t require a transcendent principle. Again, I am more comfortable following the lines of Spinoza in his description of Deus sive natura, because it weeds out transcendent explanations
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LOL!! You kind of have me at a Disadvantage as I have not taken a Philosophy class since college and I have a VERY low opinion of the discipline. But You can chose to believe what you wish I suppose.

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It’s fine. I will say that I grew up in a Christian home and have studied the Bible rigorously (first book I ever read front to back). What do you think inspired me to read philosophy? (Spoiler: Job and Ecclesiastes).
End of conversation
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