Fate or a bad spirit?

Do you often overthink things or worry too much about something, but then it's actually never that bad in the end? Or do bad things happen to you and you are just asking yourself- Why is this happening to me? What is the reason behind this?
Well something similar happened to me recently, so here is my story and my thoughts about this.
 
In June, I was finishing my driving school and I wanted to do the exams just before my holidays (summer holidays have two months here and I didn't want to waste them with driving school). However, there were so many applicants, it hadn't seem possible. But then my teacher called my and told me, that there is a free date. So I was like amazing, and of course I accepted. At the exam, I even met a schoolmate, a girl from another class in my year, so that was nice. But then, I didn't pass the exam. Of course, I took it as personal failure and was quite devastated by it (I know these are strong words, but I am a perfectionist and overachiever) but then I told myself: "I believe that everything happens for some reason, and so there must be a reason for this." And so I waved it of like that and slowly accepted it.

But just today (about a month and half later), literally the same thing happened. I am now in Bali at 3 small islands called Gillis and tomorrow, I wanted to go snorkelling. I agreed on a private trip at 8:00, but as the evening went on, I became more and more sceptical and worried. Honestly if I imagined just myself on a small boat with two strangers (guide and captain) -I don't think I would feel really comfortable. And so I was thinking about it the whole evening, asked my friend for their opinion- they also recommended me the public option. The thing is, I didn't want the public one, because it leaves late and there is too many people in the water. But in the end, I texted my accommodation and said I changed my mind and that I would prefer the public one. I set up an alarm clock for 7:00 and went to sleep.

In the morning, I woke up by myself, and when I checked my phone- oh shit- it was 7:56. My alarm apparently used some soundless sound or something. Amazing. And my host didn't read the message. So I was getting ready and I accepted the fact that I will do the private one, but my anxiety was getting super high. So I got dressed as quick as possible and when I arrived at the beach, it was about 8:15. There my host told me, that there were other two ladies that wanted to go on the private one with me, but they already left.

So it's always the same- I am really worried about something, then a really good thing happens that solves it in a best way possible, but then it goes wrong for some reason. But the thing is, it never goes wrong for a single reason, rather it is always a series of unfortunate events that make this happen. The driving school? Yes, i did many smaller mistakes. But the commissar/officer had some sexistic comments, and to the exam came a third person- and because of them I had to do a different route than usual, which was much more difficult. The snorkelling? Yes, I didn't hear my alarm and overslept. But it turned out that the captain went to wake me up, but he apparently knocked on the wrong door.

So I am asking myself, are these all coincidences? Or is there a reason for which this happens? If so, what is it? Or is there none? Or is it some bad spirit interfering with my fate? I guess we'll see as the time goes on.