1) If they believe in God, then they would probably agree that God is aware of, and allows all events in our lives because He promises that everything will turn out for good if we are obedient to Him. (Romans 8:28)
2) If they don't believe in God, then they probably believe that we are in charge of our own destiny and everything that happens is based on our choices with an element of chance and luck mixed into the equation. There is either no God, or if there is a God He could care less about the details of our lives.
The problem with the first answer is obvious, if God is allowing everything that touches our lives than He is allowing evil to produce pain, tragedy, and death in everyone who is walking the planet. Which either means He is powerless to stop the influence of evil, or He doesn't care who gets hurt in the great scheme of things, or He is allowing evil to run unchecked (it seems) for reasons that He alone can comprehend. This explanation immediately ushers us toward the crossroads of our faith.