I have never heard of a blessing in disguise which was not literally a good thing, though--and this is important--the person it happens to may not agree is is a blessing in disguise. Eg., Johnny at age 18 is asked by friends to aid in a bank robbery. On the day of the crime, Johnny falls off his bicycle and fractures a leg which event kept him from participating in the crime. The robbery was foiled. Six of the gang were captured and two escaped with $10,000. Johnny is angry that he can't participate in the distribution of the loot. He is told that his bicycle accident was a blessing in disguise because he wasn't involved and captured. Johnny is angry that he can't participate in the distribution of the loot.
It really does not have to do with punishment or reward.According to your story, a blessing in disguise just means that someone don't panticipate in because of some accidents. Anyway, someone should not be punished or awarded if he is a blessing in disguise.
Is it correct?Leon