How can we justify something bad happening to someone who is good? One explanation is deeply mystical in nature: Through reincarnation.
You are accused of owing a debt. You know you don’t owe anything, but nevertheless the Omniscient obligates you to pay up. You shouldn’t be haunted by questioning The One – who is truth, peace, happiness and justice – by thinking it’s unfair and asking, “Where is the joy in this outcome?”
A kabbalistic answer is you owed the debt in a previous incarnation, and The Divine is now making you pay in order to free you from your old debt. As for the individual who took your debt deceitfully, that person will ultimately have to account for that immoral action.
The Creator of the world and all souls knows what happened with us in previous lives, and supervises life corresponding to sacred spirit and energy; with love, compassion, righteousness and true justice.