All suffering a person goes through while living in this temporary physical world is either as a test of faith directly from Hashem or a punishment to get already in this physical world then need to C”V wait and be punished in the true world above after going through bais din shel maalah.
Hashem gives us time in this world hoping that the person will do sincere teshuva and can get his punishment for doing the sin removed from him. This is how we know that Hashem first created this gift of Teshuva before even creating the entire world cause the world can’t stay alive running without the chance to do teshuva and start working fresh again. Like we all do every Yom Kippur.