why is life so unfair

It's every so often that I find myself asking this question: why is life so unfair?

The more I asked, the more I pacify myself to stop asking, treasure what I have and instead of comparing with the great and mighty, I should see myself being lucky, at least I am fed and clothed, but the more I felt frustrated and unjust. It's easy to say than to actually take in the thoughts.

Religions believers will tell you that it is the karma from your last life that decide how your life now is, wealthy or poor, happy or upset, healthy or sickly. Isn't that already unfair? I hate circumstances like this, whereby you have no control to change anything. Punishment should be right on the spot, and not wait till next life or later. Similarly, if there is anything unhappy about what I did, I would wish to be told right on the spot, at least I could choose and make a choice there and then to correct the mistake, rather than to be told eons later, after numerous of the similar mistakes have been made, and at a point whereby apology seems redundant, and regret stays in your heart. Or have I mistaken? Regret is the supposing punishment.

And I am suppose to incur good deeds this life so that my next will be better, then again who can tell me if this is confirmed, as in, next life? What and where will I be? I find it hard to work for an empty illusion. Similarly, for afterlife, some said you will be punish and banish to hell for your bad doings. Why then? Why do the bad and evil get their way and wealth now and punish in the mentioned hell later, and the poor to suffer in misery now and perhaps heaven if they have incur enough good deeds?

I have nothing against the religions, it is a set of beliefs set for the followers to follow, and in turns guide their doings, principles and morals, ideally. Obviously, there are plenty out there who claimed to be staunch believers but act differently from what they preached. We are humans, afterall that's why we are still here and not in heaven, har?