Do you believe that life is really unfair?

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I think life is indifferent. It is neither fair or unfair. We perceive life as fair or unfair. 

Some things we think are unfair is plain bad luck. The universe doles out different abilities, challenges, and limitations randomly. Sometimes you'll get a favorable combination, a balanced combination, or an extremely unfavorable combination. This is no matter of fairness, merely random circumstance. One can sympathize with people who have received every disadvantage. However, these same people are often an inspiration when they overcome or work around their disadvantages to achieve. 

Some of what we think is unfair are other people. When we put ourselves into a situation where a desired outcome is somebody else's decision, we may think it unfair if the decision is unfavorable. Sometimes the decision truly is unfair. There is no getting around that most people operate on the basis of what is most favorable for themselves, what Economists call the rational actor. But, this is a person being unfair, not life. 

Ultimately, if life could be said to care, it would be extremely fair. Everybody who lives will eventually die. Everything in between is how we spend our time. We can spend it lamenting what we do not have, or enjoying those things we do have.