I think fate is synonymous with the convergence of a number of circumstances. In the past, a person's origins determined the course of their life. Okay. We haven't strayed that far from that yet. Are you generally healthy and robust, or more of the sickly type? Your life and its course depend on this to a not inconsiderable extent. And then there's good old random chance... ;-))
Sure.
That's another angle I never thought of.
Sometimes humans are consequences of their decisions