Well for the "sinners" rather than non believers, I do not think the "bad luck" is in the way you say.
I do believe what you give to someone comes right back ten times worse and I believe that whole heartily.
God will punish, he will try and try again to have a sinner repent, although he knows their heart but gives them free will, however no way will the guilty go unpunished. If you hurt someone,it will come back. There is a reason for what happens to you. Always remember things that go on in your life and think if it is something that has come back to you.
As for dreams,if allowed yes oh yes I believe the Holy Spirit gives dreams/visions to certain "chosen" ones. I am one, I receive my answers in many ways, mostly visions when I meditate.
With that said, I would also like to say, the Holy Spirit has control over everything we do and say and can take down a city in one day. He also can give us thoughts and intuition to do something. However we are left with free will unless he needs to intervene.