I don't see it as paying for our mistakes but more learning from them. Life can change in a heartbeat, simple as that.
In my profession, having witnessed so much heartache of perfect strangers having a sudden crisis, I have become more cognisant of appreciating life whatever it throws you.
You have control of what your fate is to some degree; if you drive like an idiot then chances are you will meet your fate for instance.
When it comes to writing, I go with my gut. I get it wrong 90% of the time, but that's ok - my life doesn't depend on it - thankfully! Roll with it, Karen - you can do this! It will come to you...