Why do bad things happen to good people?

My handphone was stolen 2 days ago. Since then, there is a question that seems to be lingering in my head - Why do good things happen to bad people, and why do bad things happen to good people? I'll skip the first part of the question and go on to the 2nd part- Why do bad things happen to good people?
Truthfully, I don't know. I'll never know. But I did came up with theory. Maybe bad things happen to bad people after all. Its just that we never seem to realise that we, in some way or another are bad. Most of the time, we consider ourselves better than others. Hence, bad things that happen to us seems unjustified.
Take myself for example. I'm not all that nice a person. I back bite, I lie (usually obvious white lies) and I sleep in class. I don't think I qualify to be a good person. But on the other hand, that doesn't make me qualify to be a bad person either. So, I'm somewhere in between. I'm in a state of limbo; neither here nor there. But that doesn't answer the question does it?
Well, maybe I have been naughty sometimes. And maybe that little naugthiness caused me my handphone. Maybe. Maybe not. But I'll stick to the thought that my naugthiness caused me my phone. At least then, I'll be happy that there is a reason for all this things happening.
I can't complain forever. So, I see no point in complaining for my handphone is most probably gone for good- stolen by someone, sold to the black market, passed on from on person to the next. Damn those people that support black market products. (when there is demand, there is stealing).
Well, I choose to move on. I'll need to buy a new handphone, a new telephone line and I'll have to retrieve all the phone numbers I've lost. I'll survive. As for the thief- what goes around comes around. Someday someone will be nicking his underpants and he'll have no one to blame but himself. Too bad for him. I'll have to scout for good offers before buying another handphone. Where is the nearest black market again?