Why not? It may all be part of God's plan. It is presumptious for you to declare that you know God's plan.
Because God told us His plan. And it doesn't include evolution.
1st question: Why not? because an accident cannot be redeemed. You must first have belonged and then lost in order to need a redeemer.
2nd question: I do know God's plan. It is well documented in the Bible, specifically the New Testament. Read it, you will enjoy it. God's plan involves a personal relationship with you, His creation!