I think that perhaps you are expecting a slightly unrealistic amount of fairness from this game, but there isn't anything wrong with you!

Think about it this way: you are the
freaking Dragonborn! Don't you deserve to have things roll in your favor?
In fact, I suggest making it part of your roleplaying experience. Maybe the Divines are watching over you, making sure that you receive sufficient resources to spread their light throughout the world of Skyrim. Or if that doesn't fit your character, perhaps forces a bit more sinister are watching over you?