2nd generation question, please advise

I havent gone through the program, ive researched and know basics and lingo.

Background context that may be relevant: It seems my husbands maternal grandfather DID go through the program (i think he was more involved with the early days of govt involvement but thats my private conspiracy) He taught his kids and grandkids things without really telling them, just normalized it as part of life and religion. Husbands biofather dabbled on the dark side, so there may be some degree of karmic consequences to the following:

There is a running joke in husbands family that they have "cosmic bad luck", like murphys law is their sidekick in life. It is relentless inconvenience, by any standards, shared by the whole family. As an outside observer, it is kinda odd. They theorize the reason is all the "good luck" goes to saving them from NDEs. They have all had multiple. (Im talking grandparents, 4 kids, and ALL the resulting grandkids). I refuse to believe thats the end of it, theres got to be reason behind it. Theres got to be an origin of this cycle.

What do you suggest as far as him exploring the deeper whys and how to fix (i presume its actually an alignment issue)? What are your theories as to whats actually happening?