I think everything comes down to action and reaction. In one world, you may fail and never do anything. In another, you may fail but learn from your failure. Depending on the situation it can go around and around. No good deed goes unpunished, karma is a beach, and so forth. While we may not have a immediate effect on our self, fate is more like a kid with a magnifying glass. You either manage your life and deal with how it comes or get burned by someone out there and never understand why/don't want to know why/accept it and move on but remain traumatized. It's a combo of fate and our own choices. All choices have a result, even making no choice is in the end, a choice to be made.