The way you're looking at it, the world is the be all end all. While to religious people, the world is just a test for whats more important, which is the hereafter. Thats why I don't see much use of discussing these different aspects of religion with atheists, because our beliefs and your arguments are based on different platforms. If you take out the herafter from the equation, most of what you're saying about the world being an unfair place is absolutely true.