Joseph:
I cannot speak for the Tosafos Yom Tov. In contrast to our generation, he was a Baal Ruach Hakodesh. Nor will I accept that I am in any way minimizing the gedolim of today. I will reference Rav Elyashiv ZT”L responding to one of the terror tragedies in E”Y where there were several comments attributing a cause to it. He strongly stated (this was on video I think) that a tragedy should make everyone introspect and change what they need to. But to make a statement about a general cause is not appropriate. Meanwhile, the tendency to attribute causes has followed the pattern of everyone making an issue out of their own pet peeve. Remember the child in BP that was tragically murdered? Do you also remember some speakers blaming this on tznius? I confronted one of the speakers (a recognized Gadol who I think the world of), and he admitted that his statement was incorrect, impulsive, and actually a disservice to the Klal.
It is true that our community has much to fix. That needs to be done. And if a misfortune or calamity triggers that, at least the tikunim happen. But I would be wary if any human tells me that he has the inside story of Hashem’s master plan.