The answer is simple.
G-d is not a person. He [ neither male or female ] has created human beings to test them, individually and collectively, and each and every one of us must die and return to Him.
God cannot "test" us because he has infallible omniscience. He knows exactly how everyone will respond to every event (not least because he willed and decreed it that way).
The "life is a test" argument is entirely incoherent.
Our lives here on earth are as "a blink of an eye" compared to eternity, and those that suffer at the hands of others will eventually be compensated .. as will those who perpetrate evil be punished.
So you believe that the police should simply let crimes happen and then compensate the victims, rather than attempting to stop them.
G-d could have made a world without evil, but we would not then have the responsibility that we do.
Ignoring the fact that god's predestination/infallible omniscience means we cannot be held responsible anyway - this is utter nonsense.
In a world without evil, people could still have free will and bear responsibility, they just couldn't choose to do anything evil, because it wouldn't even be a thing.
If G-d intervened at every bad thing that happens, this reality would no longer serve the same purpose.
But god
does intervene. What do you think dua is all about? Although to be fair, Allah does seem more interested in helping people pass exams than saving innocent children from a painful death. But hey, we all have our priorities.
G-d knows better than we do. If we think that we can know better than One who is capable of creating and maintaining this universe, then there is not much left more to say.
Apart from the obvious question begging, how do you know god knows better? What evidence do you have for that? Most of his actions seem weird at best, often downright psychotic. So apart from religious dogma telling you "Allah knows best", what evidence do you have to support that claim?
If we don't believe in a "higher power". this can only mean that we think that we are the highest authority. What a joke that is.
Why is it a joke? Is it just you question begging again?
Remember that either god exists or he doesn't. If he doesn't (which you must accept is a possibility), then there is no "highest authority" other than what society determines there is. Assuming that to be true, what is wrong with that? (Note: your reply cannot include "but without god" or similar. You need to just explain what would be so fundamentally wrong with humans managing there own affairs).
(Another Note: I predict that you will simply ignore most of my post, cherry-pick one element, and then straw man it.)