Fate for me is not the predestination, but the poetry of life; it is the coincidences and harmonies that mesh the flow of time. It is indiscriminate in its benevolence and cruelty (and infinitely so!): the unlikeliest salt appearing on your recent wound; the gift when you need it most; the synchronicity of our lives; those that enter your life; those that leave; the people who act in concert with you; and those who move against you, beyond words and agreement.
One can believe in personal agency with this kind of fate; in fact, I'm more than happy to exacerbate the effect by chasing it to its conclusion. You have a choice of whether to do so or to just let the moment of coincidence slip by as just a coincidence. I've had my fair share of opportunities and while some of the fate has stabbed; some have opened into fresh fields.
On my right hand, my latest pursuit of the scent of fate ended in a composed, yet wry smile. It opened a window beyond what I knew; it let me see more of myself; but it came up empty. On my left hand, I've been followed by a seemingly inescapable fate, one that nags at me, torments me, tempts me and shadows my steps.
"Coincidence is not a kosher word..."
( a Jewish saying recorded in The Penitent, by Isaac Bashevis Singer)