The Bible says that God disciplines those whom he loves. He loves so many, and disciplines much, but, I can only think of one time a Christian friend referred to something specific--the loss of her husband's job--and said, "...and we know that God disciplines those whom he loves..."
Honestly, I was stunned. It wasn't pity. I wasn't painful for her to say. It wasn't really anything, but faith. But, she called it discipline. It wasn't out of a feeling of guilt (as far as I knew, of course), but just trusting God's hand.
I have more thoughts. But, in the meantime, I'll ask how you see the troubles in your life. Do you see them as sometimes, never or always God's discipline. I mean, I don't even know what I'd say...just thinking about it...and have some things I want to share when I have time.