Any other explanation is just cruelty. Cruelty on a scale I can't imagine anyone really being comfortable with, though apparently some people are.
This, I believe is perhaps the single greatest reason for why God allows suffering and tragedy to take place. These things solidify our opinions about God. Suffering causes us to either reject God or humble ourselves before God.
Yesterday, I needed help to stand up. Every damn time I wanted to stand up. I'm 33 years old. It was painful, it was humiliating and it was terrifying. I spent the day restricting my fluid intake in order to cut down on urination, because, as a girl, I pee sitting down . . . and I couldn't get back up by myself. So my hips hurt and I felt like I'd run a marathon through the Sahara. Fortunately, I was babysitting my 10 year old niece, and she was cool about it.
*In case you're not familiar with "ineffable!", it's that the mind of god is not something mortals can comprehend, so stop trying and just go with it. Sorry, but my mind will go to the off position the day I die and not one moment beforehand.