The rain is not the sole random hardship of life, though I know you were using it as a metaphor. I, in turn, was more just responding to Charlie's predictable monosyllabic anticapitalist contribution. But an individual basis is the only true basis for determining what is just.
Wealth doesn't figure into it. Merit doesn't figure into it. Cancer, lightning strikes and car accidents happen to the virtuous as much as the villainous, and to some people that sounds like fairness "on average," but taken one person at a time in a subjective reference, there is not a day that passes without a worthy person suffering an ill that they did not deserve nor can they absorb. The injustice is on an individual basis, not a systemic one - and thus the efforts to address them must be similar. The only thing socialism can do to to alleviate the unjust is to inflict the misery upon all to the highest common denominator.
Someone will always be hurt. Someone will always be killed. Someone will always be poorer than someone else. The "leveling of the playing field" cliche is often perverted into meaning that the contest must be perverted until it guarantees everyone crossing the finish line in a tie. This is not accomplished by making a slow runner faster, but rather hobbling the quick. It stems from a belief that the only path to success is through
inflicting injustice - that there must have been some unfair advantage, or some wrong committed, something stolen, someone elbowed aside, to get that fatcat capitalist to the feeding trough first, so the answer is to inflict injustice upon them to restore some kind of alleged balance. It's a
sick viewpoint rooted in envy and sloth that means that the "level playing field" is only achieved once everyone is dug down to bedrock, playing ball in a deep, dark hole. The only possible fairness is the complete, total, universal, and therefor equal, application of utter and abject misery and pain. True equality will only be attained upon
heat death.