According to Quran ([Ash-Shūraá-30](http://quran.com/42/30)), any suffering we face is because of our own actions:

> 
> وَمَا أَصَابَكُم مِّن مُّصِيبَةٍ فَبِمَا كَسَبَتْ أَيْدِيكُمْ
>  وَيَعْفُو عَن كَثِيرٍ
> 
> 
> And whatever strikes you of disaster - it is for what your hands have
>  earned; but He pardons much.
> 
> 
> 

So what's the exact meaning of "Mosibat" here? (translated to disaster above). Is this verse suggesting that any kind of suffering that happens to one person, is because of their own actions? E.g. if I broke my hand, would it be because of something bad I have done in my life? What about natural disasters like earthquakes or tsunamis? Do they strike bad people only? If not, and if an earthquake is not what this verse is referring to, what is it exactly about then?