The longer I live and the more I see and hear, the less I believe in any kind of 'grand scheme', i.e. a god force, a universal plan for each of us individually, etc. I think that if we choose to allow it, tragedies can offer us an incredible opportunity for growth and personal understanding. I have been listening to Eckhart Tolle and he basically says that getting very low in life can offer a 'short cut' to enlightenment because it puts a lot of pressure on you to DO something. But I don't think that we are offered tragedies and challenges in a particular plan to aid us to become enlightened. That just feels so egocentric to me. I have always felt like that, even before I started studying how our attachment to ego effects us. So, the 'role' a tragedy plays in our lives is for us to decide. YOU choose the lessons you are going to learn, no one (not even a divine force) can choose them for you. Maybe that is the key to subjective reality. Not that we actually 'create' our reality; but that we create what we get out of our reality.