Life is a series of events that bombard us like waves in the surf.  How do we explain these events? Different religions provide fundamentally different explanations.

• Atheism says there is no explanation – the events happen randomly, and only by chance do they happen to us in particular. We are not responsible for what happens to us, no one is.
• Traditional pagan and animist world-views, and religions such as Shintoism, Confucianism and African spirit worship, assert the existence of unseen spiritual forces or entities, who may bestow good or bad fortune on us through the events they send our way.  All deleterious events or mishaps are thus the work of malevolent entities, who may be acting with or for malicious humans, intent on harming us. The spiritual entities require continual praise and gifts or sacrifices, as if they were feudal lords, to moderate or mitigate their actions. We are not responsible for what happens to us, spirits are.
• Judaism and Christianity imagine an omniscient and omnipotent God who, for reasons beyond our understanding, sends events our way.  In some Protestant versions of Christianity, the events and perhaps even our responses have been predetermined by God before we are born. In Catholicism, which mixes, as Santayana argued, Christianity with paganism, God’s decisions may be tempered by appeals from other spiritual beings, such as angels and the souls of the dead, petitioning for us.  We are not responsible for what happens to us, God is.
• Buddhism posits that the events which happen to us are the consequences of our own past decisions.  In some versions, we are reincarnated and what happens to us in any one life is the consequence of what we did in previous lives. We are not responsible for what happens to us, our past selves are.
• In other versions of Buddhism, such as Nichiren Buddhism, what happens to us is the consequence of thoughts, words or actions in this life.  This view is held also by certain New Age thinkers, such as those of the New Thought Movement and followers of the Law of Attraction. The time between a causal thought or action and manifestation of its consequential effects in our lives may be very short, of the order of weeks, if the causal action is held or undertaken with sufficient emotional intensity.  Nichiren Shoshu adherents believe that negative karma from previous lives may be eliminated by actions, such as chanting, in this life.  We ourselves are responsible for what happens to us, both good and bad.