What we are going through in life is perfect and it is as per our choice

Every choice that we make at a very thought level and in action will have a consequence. Every choice has a consequence. So what we think and what we intended even if we don’t execute will have a consequence. Some time consequences come immediately some time they take their own time. But definitely they do come back if not in this life time. Once we execute a wrong thought either by intention or by action we get closed in the loop until the consequence comes back and releases us.

So never make any wrong thought/action. Even if you do so out of habitual, counter act it with positive thought/action and over the period we should get rid of it.
Only in meditation, when you become so silent the inner process starts initiating and slowly all the incomplete cycles of choices and consequences will get completed. This gives us liberation from the cycle of choice and consequences.