Dear Huan Yi,
The original question is a fine one, I think. But consider that you actually are in this situation, as far as you know, aren't you. If you think you can plan for security or happiness or health, you are instead putting your trust in chance. If you put your trust in God, bless you, and I can say that I hope things turn out well for you in the end. In this life, however, the answer to prayers may often be No for reasons that we can attempt to explain to ourselves with varying amounts of success. We pretty much are in the situation you describe.
Stephanos has described one healthy solution to that situation. I recommend it to everybody. I agree with his comments about "skeptics" in general, though not necessarily in particular. Indeed, I can't be sure that he meant them to apply to each particular case.
I don't know that the religious option has provided an answer for you here, though.
I admire Ron's appeal to personal responsibility as well, but I fear that for most people this comes down to a matter of dogma and faith as well, since most people are unwilling or unable to spend the energy and time to look at exactly how something is their responsibility in a realistic way. They are more likely to cut their actual attempt to understand what they could have done differently with some grandiose and premature acceptance of a guilt that they were not powerful enough to assume in the first place. "Yes, if I'd tried harder, France wouldn't have fallen, Mon General!"
"See that you remember that, Private! Now charge that machine gun nest! The Foreign Legion is waiting for you to Redeem yourself!"
Too many of us are willing to take responsibility for things that aren't our fault and not to take responsibility for things that are. Believing in personal responsibility doesn't grant us the ability to identify it correctly, or even give us the willingness to act on our understanding, should we be fortunate enough to come to the correct conclusion. And most of these decisions aren't even made consciously at all anyway.
Responsibility for our actions is handy when it comes time to assign blame, however.
Another place where it's handy is — once a goal is established — evaluating the success one has in living up to it on an incident by incident basis. This can be where responsibility can come into its own, as long as it's tempered by significant amounts of compassion. Indeed, I think compassion for one's self and for other's is probably the answer to the question you ask.
Some work is never done, no matter what, whether you have food or not, or whether you live in a mansion or live on the street. When you stop doing that work, you have lost yourself. Sometimes you may get money for it, sometimes not. The Shakers felt that you might approach any work in the proper spirit, and I suspect they were right. They weren't bad business folk. The Buddhists call this Right Livelihood, though it's not an exclusively Buddhist concept. What do you think, Huan Yi?
Sincerely, Bob Kaven