I completely agree with what you have written. In the sanatan dharma or what is known as the Hindu philosophy all of what you have written is mentioned in our ancient scriptures. The past life karmas are all stored in the kundalini or the serpent energy lying at the base of the spine. This is like a hard drive which saves all the good and bad deeds of the past. The kundalini exits with the soul on physical death and when the soul is born again it comes with this hard drive of past karmas. The soul decides for itself the parents it wishes for and selects those parents who they feel is best suited to help them face their karma and progress. Each person on earth has a guardian angel based on his/her level of spiritual progress. Everyone is progressing - there is nothing which is negative or bad, everything is perceived as good or bad - what you are experiencing is those events which you opted for before birth so that you can face the karmas and advance in your journey to become one with the Creator.