This might be a topic too heavy for this venue. The thumbnail sketch is "Consult the history of human philosophy and faith and you will find people wrestling with this question ever since we could talk and write."
(Personal opinion: fairness is a human construct. The universe does not care. We are the ones who make it as fair as we can.)
Neil, there is a logic flaw in your little aphorism that seems quite telling. Since you and I are a part of the Universe, then we would also be indifferent and uncaring. Perhaps you forgot, Neil, that we are not superior to the Universe but merely a fraction of it. Nice day, indeed
(Personal opinion: fairness is a human construct. The universe does not care. We are the ones who make it as fair as we can.)