I think Life is not a puzzle but Life is a mystery, we never happen what happens later, we do our best but it is not necessarily able to produce the best, but we must do the best, sometimes life is strange because stupid people can be more successful than those who are clever.
Life is not fair, it is true that sometimes stupid people can be more successful than clever people. But that's not the majority and it's not that we feel unlucky, it's that we live loosely, not trying our best. So, no matter how difficult life is, as long as we make efforts and try, I believe everything will be rewarded.
The difference is that stupid people make stupid decisions that sometimes lead to success. For example if you have 10k saved all through your life and do not have any other money, and ended up buying shiba when it first got out, then it would have been a very stupid decision, it's a fake off from doge that would only go up if there is a hype around the meme, and it did, if anyone did that stupid thing, they would be richer today.
Obviously this isn't the norm, because usually people who make these kind of stupid stuff end up with losing a ton of money, but sometimes we do end up with them being right and clever people are not taking those risks.